🏦Bank Scorer

NORTH CAMBRIDGE CO-OPERATIVE BANK

CAMBRIDGE, MA · Supervised by FDIC

Est. 1912FDIC #26,567RSSD: FDIC-26567
Satisfactory Same

Current rating · Exam: May 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.89%

Institution Profile

FDIC BankFind

Address

2360 Massachusetts Ave, CAMBRIDGE, MA

County

Middlesex County

Established

January 1, 1912

Total Assets

$86M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$86M

Total Deposits

$60M

Net Loans

$47M

Net Income

$-195K

ROA

-0.89%

ROE

-3.12%

Risk-Based Capital

64.54%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$59M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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