Medford Municipal Employees

MEDFORD, MA · 1 · Charter #24615
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$7.3M
34th percentile
Members
761
28th percentile
Total loans
$2.7M
28th percentile
Total shares
$5.3M
32th percentile

Profitability

Return on assets
1.32%
73th percentile
Net interest margin
4.40%
66th percentile
Efficiency ratio
59.87%
65th percentile
Non-interest income ratio
0.00%
1th percentile

Capital & Risk

Net worth ratio
25.09%
86th percentile
Delinquency rate
1.64%
29th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
50.52%
35th percentile

Growth

Member growth YoY
-3.06%
32th percentile
Asset growth YoY
1.13%
50th percentile
Loan growth YoY
3.60%
75th percentile
Share growth YoY
-3.01%
29th percentile

Operations

Members / branch
381
18th percentile
Assets / member
$9,609
53th percentile
Field of membership penetration
60.88%
78th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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