Somerville School Employees Somerville, MA · Charter 3475 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)
NCUA · 1 branch
Q2 2026
$22.9M Assets
$8.0M Loans
$18.9M Shares
$3.9M Net Worth
Executive Summary Strongest standing: tier 1 capital ratio outperforms 74% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 17 of 66). Widest gap: return on equity trails 85% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 56 of 66). Overall: at or above the peer median on 3 of 7 directional measures. Return on Assets
0.34%
Rank 54 of 66
Net Interest Margin
2.88%
Rank 48 of 66
Efficiency Ratio
88.18%
Rank 52 of 66
Equity / Assets
17.21%
Rank 17 of 66
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.34% 0.38% 0.59% 1.00% Beats 18% 54 / 66 Return on Equity 1.98% 2.62% 4.89% 6.39% Beats 15% 56 / 66 Net Interest Margin 2.88% 2.83% 3.27% 3.84% Beats 27% 48 / 66 Efficiency Ratio 88.18% 68.43% 80.15% 87.18% Beats 23% 52 / 66 Asset Quality Nonperforming Loans / Loans 0.17% 0.08% 0.48% 1.18% Beats 67% 23 / 66 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 17.21% 9.84% 13.79% 17.21% Beats 74% 17 / 66 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 17.21% 9.84% 13.79% 17.21% Beats 74% 17 / 66 Liquidity & Funding Loans / Deposits 42.53% 50.73% 71.54% 81.61% 17th pctl 55 / 66 Loans / Assets 35.18% 40.53% 57.05% 68.92% 18th pctl 54 / 66 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11