Cambridge Municipal Employees vs Somerville Municipal
Comparing a Credit Union in Cambridge, MA with a Credit Union in Somerville, MA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Cambridge Municipal Employees ↗ Credit Union · Cambridge, MA · Est. 1939 | Somerville Municipal ↗ Credit Union · Somerville, MA · Est. 1941 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Cambridge, MA | Somerville, MA |
| Total assets | $10.4M | $50.8M |
| Net worth ratio | 24.0% | 18.2% |
| Return on assets | 1.8% | 1.2% |
| Shares & deposits | — | — |
| Members | 1,292 | 2,200 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 122 | #5 of 122 |
| Established | 1939 | 1941 |
Cambridge Municipal Employees
- Assets: $10.4M
- Members: 1,292
- Capital ratio: 24.0%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #3 of 122
Somerville Municipal
- Assets: $50.8M
- Members: 2,200
- Capital ratio: 18.2%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #5 of 122
Are both institutions federally insured?
Yes. Cambridge Municipal Employees is NCUA-insured and Somerville Municipal is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Cambridge Municipal Employees or Somerville Municipal?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Cambridge Municipal Employees scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Cambridge Municipal Employees safe?
Yes — Cambridge Municipal Employees is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Somerville Municipal safe?
Yes — Somerville Municipal is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Cambridge Municipal Employees vs Somerville Municipal?
Cambridge Municipal Employees has a net worth ratio of 24.0%, placing it in the top 12% of <$100M peers. Somerville Municipal's ratio is 18.2%, placing it in the top 29% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Cambridge Municipal Employees have compared to Somerville Municipal?
The CFPB database shows 0 complaints against Cambridge Municipal Employees, and 0 complaints against Somerville Municipal. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Cambridge Municipal Employees with other Credit Unions in Massachusetts
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
