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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.38% | 0.59% | 1.00% | Beats 71% | 19 / 66 | |
| Return on Equity | 5.91% | 2.62% | 4.89% | 6.39% | Beats 70% | 20 / 66 | |
| Net Interest Margin | 3.36% | 2.83% | 3.27% | 3.84% | Beats 56% | 29 / 66 | |
| Efficiency Ratio | 74.43% | 68.43% | 80.15% | 87.18% | Beats 65% | 24 / 66 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.57% | 0.08% | 0.48% | 1.18% | Beats 14% | 58 / 66 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.27% | 9.84% | 13.79% | 17.21% | Beats 58% | 28 / 66 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.27% | 9.84% | 13.79% | 17.21% | Beats 58% | 28 / 66 | |
| Liquidity & Funding |
| Loans / Deposits | 36.63% | 50.73% | 71.54% | 81.61% | 11th pctl | 59 / 66 | |
| Loans / Assets | 30.33% | 40.53% | 57.05% | 68.92% | 11th pctl | 59 / 66 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |