SOMERVILLE MASS FIREFIGHTERS
Charter #943 · SOMERVILLE, MA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 285 sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.57% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 2.00% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 MASS FIREFIGHTERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.60M | 84th pct | 33th pct |
| Members | 285 | 24th pct | 3th pct |
| Net worth ratio | 18.80% | 53th pct | 62th pct |
| Return on average assets | 0.93% | 69th pct | 64th pct |
| Net interest margin | 2.57% | 13th pct | 5th pct |
| Cost of funds | 2.00% | 88th pct | 87th pct |
| Loan-to-share | 49.92% | 40th pct | 49th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | 5.60% | 89th pct | 98th pct |
| Share growth YoY | -3.76% | 24th pct | 10th pct |
| Efficiency ratio | 63.84% | 19th pct | 16th pct |
structural peer set hash: 9d9644e3abaf924ddba75523de88c03e… (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.