SOMERVILLE MUNICIPAL
Charter #4524 · Somerville, MA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.16% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.16% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.79% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 22nd percentile but its structural peers at the 61st — a 39-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SOMERVILLE MUNICIPAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $50.80M | 2th pct | 36th pct |
| Members | 2,200 | 3th pct | 33th pct |
| Net worth ratio | 18.16% | 85th pct | 77th pct |
| Return on average assets | 1.16% | 73th pct | 75th pct |
| Net interest margin | 3.33% | 31th pct | 64th pct |
| Cost of funds | 0.88% | 47th pct | 31th pct |
| Loan-to-share | 58.20% | 46th pct | 41th pct |
| Delinquency 60+ days | 0.47% | 41th pct | 56th pct |
| Net charge-off ratio | 0.03% | 22th pct | 61th pct |
| Loan growth YoY | -3.84% | 28th pct | 21th pct |
| Share growth YoY | -2.75% | 5th pct | 10th pct |
| Efficiency ratio | 66.79% | 20th pct | 18th pct |
structural peer set hash: 703b4a9a6f6d0eb413879d0ee8f1e1ad… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.