Stoneham Municipal Employees

Stoneham, MA · 1 · Charter #15393 · www.smefcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$70.2M
21th percentile
Members
4,153
15th percentile
Total loans
$19.3M
3th percentile
Total shares
$58.5M
21th percentile

Profitability

Return on assets
1.09%
54th percentile
Net interest margin
3.46%
39th percentile
Efficiency ratio
69.86%
27th percentile
Non-interest income ratio
7.93%
9th percentile

Capital & Risk

Net worth ratio
14.74%
75th percentile
Delinquency rate
1.77%
13th percentile
Net charge-off rate
0.06%
90th percentile
Loan-to-share
33.04%
4th percentile

Growth

Member growth YoY
-5.20%
11th percentile
Asset growth YoY
0.31%
22th percentile
Loan growth YoY
-6.84%
12th percentile
Share growth YoY
-1.06%
17th percentile

Operations

Members / branch
831
1th percentile
Assets / member
$16,907
70th percentile
Field of membership penetration
37.75%
84th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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