Somerville Mass Firefighters

SOMERVILLE, MA · 1 · Charter #943
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$7.9M
35th percentile
Members
284
10th percentile
Total loans
$3.1M
32th percentile
Total shares
$6.5M
36th percentile

Profitability

Return on assets
0.87%
53th percentile
Net interest margin
2.48%
8th percentile
Efficiency ratio
39.27%
93th percentile
Non-interest income ratio
0.00%
1th percentile

Capital & Risk

Net worth ratio
17.88%
65th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
47.63%
31th percentile

Growth

Member growth YoY
3.27%
90th percentile
Asset growth YoY
3.70%
66th percentile
Loan growth YoY
3.00%
73th percentile
Share growth YoY
3.41%
66th percentile

Operations

Members / branch
284
12th percentile
Assets / member
$27,783
99th percentile
Field of membership penetration
71.00%
85th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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