Somerville Municipal
Somerville, MA · Charter 4524 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)
NCUA · 1 branch
Q2 2026
$49.0MAssets
$24.0MLoans
$39.5MShares
$9.4MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 80% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 13 of 66).
- Widest gap: nonperforming loans / loans trails 50% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 34 of 66).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.12%
Rank 13 of 66
Net Interest Margin
3.46%
Rank 27 of 66
Efficiency Ratio
69.82%
Rank 19 of 66
Equity / Assets
19.08%
Rank 14 of 66
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.38% | 0.59% | 1.00% | Beats 80% | 13 / 66 | | |
| Return on Equity | 5.86% | 2.62% | 4.89% | 6.39% | Beats 67% | 22 / 66 | | |
| Net Interest Margin | 3.46% | 2.83% | 3.27% | 3.84% | Beats 59% | 27 / 66 | | |
| Efficiency Ratio | 69.82% | 68.43% | 80.15% | 87.18% | Beats 73% | 19 / 66 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.08% | 0.48% | 1.18% | Beats 50% | 34 / 66 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.08% | 9.84% | 13.79% | 17.21% | Beats 79% | 14 / 66 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.08% | 9.84% | 13.79% | 17.21% | Beats 79% | 14 / 66 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.65% | 50.73% | 71.54% | 81.61% | 38th pctl | 41 / 66 | | |
| Loans / Assets | 48.90% | 40.53% | 57.05% | 68.92% | 36th pctl | 42 / 66 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |