PackageTrendsPeer
Letter portraitLegal landscape

Medford Municipal Employees

Medford, MA · Charter 24615

NCUA · 1 branch

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

89

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

71

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 2026-10-11

Medford Municipal Employees

Medford, MA · Charter 24615

NCUA · 1 branch

Q2 2026

$7.2MAssets
$2.4MLoans
$5.3MShares
$1.9MNet 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 0.43%, down 84 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 1.38% of loans (+87 bps YoY).
  • Capital: net worth / assets of 25.71%, up 160 bps from a year ago.
  • Funding: loans stand at 44.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.43%-84 bps YoY

Net Interest Margin (YTD, annualized)

4.37%+25 bps YoY

Efficiency Ratio (YTD, annualized)

72.32%+305 bps YoY

Net Worth / Assets

25.71%+160 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.43%1.32%0.80%0.43%-84 bps
Return on Equity5.25%5.71%5.27%3.08%1.68%-358 bps
Net Interest Margin4.12%4.38%4.40%4.48%4.37%+25 bps
Efficiency Ratio69.27%67.43%69.96%82.07%72.32%+305 bps
Growth
Asset Growth (YoY)-0.12%-0.27%1.13%-2.79%-2.72%-260 bps
Loan Growth (YoY)5.29%-0.93%3.60%2.72%-4.15%-944 bps
Share Growth (YoY)-1.47%-1.98%-3.01%-5.61%-4.83%-336 bps
Asset Quality
Delinquent Loans / Loans0.51%0.26%1.64%1.32%1.38%+87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.60%0.63%0.56%0.60%1.80%+119 bps
Capital
Risk-Based Capital24.11%24.97%25.09%26.09%25.71%+160 bps
Net Worth / Assets24.11%24.97%25.09%26.09%25.71%+160 bps
Liquidity & Funding
Loans / Shares44.66%44.35%50.52%48.26%44.98%+32 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 2026-10-11

Medford Municipal Employees

Medford, MA · Charter 24615 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 1 branch

Q2 2026

$7.2MAssets
$2.4MLoans
$5.3MShares
$1.9MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 89% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 7 of 66).
  • Widest gap: return on equity trails 86% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 57 of 66).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.44%

Rank 46 of 66

Net Interest Margin

4.36%

Rank 8 of 66

Efficiency Ratio

72.61%

Rank 20 of 66

Equity / Assets

25.71%

Rank 7 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.44%0.38%0.59%1.00%Beats 30%46 / 66
Return on Equity1.73%2.62%4.89%6.39%Beats 14%57 / 66
Net Interest Margin4.36%2.83%3.27%3.84%Beats 88%8 / 66
Efficiency Ratio72.61%68.43%80.15%87.18%Beats 71%20 / 66
Asset Quality
Nonperforming Loans / Loans1.38%0.08%0.48%1.18%Beats 23%52 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio25.71%9.84%13.79%17.21%Beats 89%7 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets25.71%9.84%13.79%17.21%Beats 89%7 / 66
Liquidity & Funding
Loans / Deposits44.98%50.73%71.54%81.61%18th pctl54 / 66
Loans / Assets33.34%40.53%57.05%68.92%17th pctl55 / 66
Brokered Deposits / Depositsn/aNot reported for this institution