SOMERVILLE MUNICIPAL
Federal • Somerville, Massachusetts • Est. 1941
Quick Facts
- Charter Number
- #4524
- Type
- Federal
- Established
- 1941
- Headquarters
- Somerville, Massachusetts 02144
- Address
- 236 Holland St
- Branches
- 5
- ATMs
- 2
- Members
- 2,237
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
2,237 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SOMERVILLE MUNICIPAL |
|---|---|
| Total Assets | $50.9M |
| Members | 2,237 |
| Loans Outstanding | $24.6M |
| Shares & Deposits | $41.6M |
| Net Worth | $9.1M |
| Net Worth Ratio | 17.85% |
| Loan-to-Share Ratio | 59.2% |
| Delinquency Rate | 0.36% |
| Net Income | +$629,415 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 2 ATMs
Main Office
Main Office236 Holland St
Somerville, MA 02144
Disaster Recovery Site
100 Highland Ave
Somerville, MA 02143
Hot Site
6160 Warren Pkwy Ste 500
Frisco, TX 75034
Portico
6160 Warren Pkwy Ste 500
Frisco, TX 75034-9673
CO-OP Shared Branch Network
236 Holland
Somerville, MA 02144-2433
Who Can Join SOMERVILLE MUNICIPAL?
Membership Type: Community
Membership eligibility for SOMERVILLE MUNICIPAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact SOMERVILLE MUNICIPAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Massachusetts RankingsFrequently Asked Questions
Yes. SOMERVILLE MUNICIPAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SOMERVILLE MUNICIPAL has 2,237 members and a potential membership field of 15,000 people.
SOMERVILLE MUNICIPAL's net worth ratio is 17.85% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 17.9%, SOMERVILLE MUNICIPAL meets this threshold.
SOMERVILLE MUNICIPAL operates 5 branch locations and has access to 2 ATMs. The main office is located at 236 Holland St, Somerville, MA 02144.
SOMERVILLE MUNICIPAL was established in 1941. It is a federal credit union chartered under charter number 4524. The institution has been serving members for 85 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SOMERVILLE MUNICIPAL. All financial data is for informational purposes only.