Bank · FDIC insured
North Cambridge Co-Operative Bank
A $87.1M bank headquartered in Cambridge, MA, with 1 branch in Massachusetts. Best rates: CDs 3.50% and savings 0.20% APY.
North Cambridge Co-Operative Bank Carrot Score
63
Carrot Score
Higher than 10% of U.S. banks and credit unions
#125 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About North Cambridge Co-Operative Bank
Chartered in 1912, North Cambridge Co-operative Bank has continuously served the banking needs of North Cambridge and its surrounding communities.
The bank is located in Cambridge, Massachusetts.
- Headquarters
- 2360 Massachusetts Ave, Cambridge, MA 02140
- FDIC certificate
- 26567 ↗
Branches
1 branch in Massachusetts
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Massachusetts
1 branch
- North Cambridge Co-operative BankMain office2360 Massachusetts Ave, Cambridge, MA 02140Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 29.32% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 0.00% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 0.15% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $75 | $67 | — |
- CapitalLeverage ratio29.32%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets0.15%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$75Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of North Cambridge Co-Operative Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.