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Stoneham Municipal Employees

Stoneham, MA · Charter 15393

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

58

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

65

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Stoneham Municipal Employees

Stoneham, MA · Charter 15393

NCUA · 3 branches

Q2 2026

$69.9MAssets
$21.2MLoans
$57.8MShares
$10.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.90%, up 2 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 1.57% of loans (-1 bps YoY).
  • Capital: net worth / assets of 15.27%, up 137 bps from a year ago.
  • Funding: loans stand at 36.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-9 bps YoY

Efficiency Ratio (YTD, annualized)

74.41%-251 bps YoY

Net Worth / Assets

15.27%+137 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%1.06%1.09%0.89%0.90%+2 bps
Return on Equity6.38%7.33%7.36%5.94%5.91%-46 bps
Net Interest Margin3.45%3.53%3.46%3.23%3.36%-9 bps
Efficiency Ratio76.91%79.30%76.44%74.46%74.41%-251 bps
Growth
Asset Growth (YoY)17.26%2.29%0.31%-1.44%-1.95%-1,921 bps
Loan Growth (YoY)6.41%-4.20%-6.84%-7.51%2.65%-375 bps
Share Growth (YoY)15.75%1.49%-1.06%-3.22%-3.75%-1,950 bps
Asset Quality
Delinquent Loans / Loans1.58%1.83%1.77%1.77%1.57%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.90%14.49%14.74%14.93%15.27%+137 bps
Net Worth / Assets13.90%14.49%14.74%14.93%15.27%+137 bps
Liquidity & Funding
Loans / Shares34.35%34.26%33.04%32.51%36.63%+229 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Stoneham Municipal Employees

Stoneham, MA · Charter 15393 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 3 branches

Q2 2026

$69.9MAssets
$21.2MLoans
$57.8MShares
$10.7MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 71% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 19 of 66).
  • Widest gap: nonperforming loans / loans trails 86% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 58 of 66).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

0.90%

Rank 19 of 66

Net Interest Margin

3.36%

Rank 29 of 66

Efficiency Ratio

74.43%

Rank 24 of 66

Equity / Assets

15.27%

Rank 28 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.90%0.38%0.59%1.00%Beats 71%19 / 66
Return on Equity5.91%2.62%4.89%6.39%Beats 70%20 / 66
Net Interest Margin3.36%2.83%3.27%3.84%Beats 56%29 / 66
Efficiency Ratio74.43%68.43%80.15%87.18%Beats 65%24 / 66
Asset Quality
Nonperforming Loans / Loans1.57%0.08%0.48%1.18%Beats 14%58 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.27%9.84%13.79%17.21%Beats 58%28 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.27%9.84%13.79%17.21%Beats 58%28 / 66
Liquidity & Funding
Loans / Deposits36.63%50.73%71.54%81.61%11th pctl59 / 66
Loans / Assets30.33%40.53%57.05%68.92%11th pctl59 / 66
Brokered Deposits / Depositsn/aNot reported for this institution