PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Stoneham Municipal Employees

Stoneham, MA · Charter 15393

NCUA · 3 branches

Q2 2026

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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.75%0.60%0.89%1.06%1.09%0.89%0.90%+2 bps
Return on Equity5.45%5.44%4.44%6.38%7.33%7.36%5.94%5.91%-46 bps
Net Interest Margin3.05%3.37%3.32%3.45%3.53%3.46%3.23%3.36%-9 bps
Efficiency Ratio77.95%78.23%83.14%76.91%79.30%76.44%74.46%74.41%-251 bps
Growth
Asset Growth (YoY)8.30%12.04%16.54%17.26%2.29%0.31%-1.44%-1.95%-1,921 bps
Loan Growth (YoY)3.50%-0.96%2.49%6.41%-4.20%-6.84%-7.51%2.65%-375 bps
Share Growth (YoY)5.72%9.99%15.27%15.75%1.49%-1.06%-3.22%-3.75%-1,950 bps
Asset Quality
Delinquent Loans / Loans0.00%0.02%0.03%1.58%1.83%1.77%1.77%1.57%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.66%13.70%13.58%13.90%14.49%14.74%14.93%15.27%+137 bps
Net Worth / Assets13.66%13.70%13.58%13.90%14.49%14.74%14.93%15.27%+137 bps
Liquidity & Funding
Loans / Shares36.29%35.10%34.02%34.35%34.26%33.04%32.51%36.63%+229 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps