Somerville Municipal Federal Credit Union

Somerville, MA

Rating Date

September 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	Somerville Municipal Federal Credit Union Somerville, MA	Click to Compare	Click to Compare	Click to Compare
Rating	A
Asset Quality Index	10.00
Capitalization Index	10.00
Liquidity Index	5.60
Profitability Index	9.20
Stability Index	8.00

Company Info	Somerville Municipal Federal Credit Union Somerville, MA	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	1192
Phone Number	(617) 625-0898
Website	www.sommfcu.com

Asset Quality	Somerville Municipal Federal Credit Union Somerville, MA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	3.90%
5-Year Asset Growth	1.93%
5-Year Charge-Offs to Average Loans	0.07%
Charge-Offs to Average Loans	0.15%
Non-Performing Assets to Assets	0.00%
Non-Performing Loans to Capital	0.00%
Non-Performing Loans to Loans	0.00%

Balance Sheet	Somerville Municipal Federal Credit Union Somerville, MA	Click to Compare	Click to Compare	Click to Compare
Total Assets	51.06M
Total Deposits	42.04M

Capital and Reserves	Somerville Municipal Federal Credit Union Somerville, MA	Click to Compare	Click to Compare	Click to Compare
Capital	8.82M
Leverage Ratio	17.27
Loan Loss Reserves to Loans	1.20%

Liquidity	Somerville Municipal Federal Credit Union Somerville, MA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	14.08%
Liquidity Ratio	36.98%

Profitability	Somerville Municipal Federal Credit Union Somerville, MA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.70%
Net Income	357.00K
Net Interest Spread	4.41%
Operating Profit to Average Assets	1.44%
Overhead Efficiency Ratio	61.77%
Return on Assets	1.40%
Return on Equity	8.27%