Somerville Municipal vs Cambridge Municipal Employees
Comparing a Credit Union in Somerville, MA with a Credit Union in Cambridge, MA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Somerville Municipal ↗ Credit Union · Somerville, MA · Est. 1941 | Cambridge Municipal Employees ↗ Credit Union · Cambridge, MA · Est. 1939 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Somerville, MA | Cambridge, MA |
| Total assets | $50.8M | $10.4M |
| Net worth ratio | 18.2% | 24.0% |
| Return on assets | 1.2% | 1.8% |
| Shares & deposits | — | — |
| Members | 2,200 | 1,292 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 122 | #3 of 122 |
| Established | 1941 | 1939 |
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
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. Somerville Municipal is NCUA-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, Somerville Municipal or Cambridge Municipal Employees?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Somerville Municipal 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 Somerville Municipal safe?
Yes — Somerville Municipal 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 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 Somerville Municipal vs Cambridge Municipal Employees?
Somerville Municipal has a net worth ratio of 18.2%, placing it in the top 29% of <$100M 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 Somerville Municipal have compared to Cambridge Municipal Employees?
The CFPB database shows 0 complaints against Somerville Municipal, 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 Somerville Municipal 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.
