Northern Bank & Trust Company vs Cambridge Municipal Employees
Comparing a Bank in Woburn, MA with a Credit Union in Cambridge, MA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Northern Bank & Trust Company ↗ Bank · Woburn, MA · Est. 1960 | Cambridge Municipal Employees ↗ Credit Union · Cambridge, MA · Est. 1939 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Woburn, MA | Cambridge, MA |
| Total assets | $3.3B | $10.4M |
| Capital ratio | 14.3% | 24.0% |
| Return on assets | 1.8% | 1.8% |
| Deposits | $2.7B | — |
| Branches | 14 | 1,292 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 91 | #3 of 122 |
| Established | 1960 | 1939 |
Northern Bank & Trust Company
- Assets: $3.3B
- Deposits: $2.7B
- Capital ratio: 14.3%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #1 of 91
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
Are both institutions federally insured?
Yes. Northern Bank & Trust Company is FDIC-insured and Cambridge Municipal Employees 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, Northern Bank & Trust Company or Cambridge Municipal Employees?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Northern Bank & Trust Company 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 Northern Bank & Trust Company safe?
Yes — Northern Bank & Trust Company is FDIC-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 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. Its Trust Grade is A (98/100).
What is the capital ratio of Northern Bank & Trust Company vs Cambridge Municipal Employees?
Northern Bank & Trust Company has a capital ratio of 14.3%, placing it in the top 9% of $1B–10B peers. Cambridge Municipal Employees's ratio is 24.0%, placing it in the top 12% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Northern Bank & Trust Company have compared to Cambridge Municipal Employees?
The CFPB database shows 0 complaints against Northern Bank & Trust Company, and 0 complaints against Cambridge Municipal Employees. 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 Northern Bank & Trust Company with other Banks in Massachusetts
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
