Somerville, Massachusetts · Peer group 4
Somerville Municipal Credit Union
Somerville Municipal Credit Union holds $50.8M in assets across 2,200 members as of Q1 2026 — about $23K of assets per member, on a charter dating to 1941. Charter number 4524, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $50.8M |
|---|---|
| Total loans | $24.1M |
| Total shares (deposits) | $41.3M |
| Net worth | $9.2M |
| Members | 2,200 |
| Assets per member | $23K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.4% | |
|---|---|---|
| Loans | -4.4% | around the 28th percentile of its peer group |
| Deposits | -3.0% | around the 14th percentile of its peer group |
| Members | -3.1% | around the 28th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 58.2% | around the 46th percentile of its peer group |
|---|---|---|
| Net worth ratio | 18.2% | around the 85th percentile of its peer group |
| Return on assets | 1.16% | around the 73rd percentile of its peer group |
| Delinquency ratio | 0.47% | around the 41st percentile of its peer group |
| Cash / assets | 16.7% | around the 81st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Somerville Municipal Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Massachusetts — the comparison set a peer ratio is measured against.
- Brookline Municipal Credit Union
BROOKLINE, MA
$51.0M · 2,484 members
- Goldmark Credit Union
Attleboro, MA
$49.3M · 2,929 members
- Worcester Fire Dept. Credit Union
WORCESTER, MA
$47.9M · 2,058 members
- Notre Dame Community Credit Union
FALL RIVER, MA
$57.4M · 3,110 members
- Southcoast Credit Union
New Bedford, MA
$60.3M · 4,315 members
- Methuen Credit Union
Methuen, MA
$39.9M · 2,541 members
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