Middlesex-Essex Postal Employees

NORTH READING, MA · 1 · Charter #19446
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
$4.7M
23th percentile
Members
632
22th percentile
Total loans
$1.5M
19th percentile
Total shares
$3.0M
20th percentile

Profitability

Return on assets
1.72%
85th percentile
Net interest margin
5.12%
85th percentile
Efficiency ratio
62.99%
58th percentile
Non-interest income ratio
0.29%
8th percentile

Capital & Risk

Net worth ratio
35.82%
95th percentile
Delinquency rate
0.64%
53th percentile
Net charge-off rate
0.45%
35th percentile
Loan-to-share
49.89%
34th percentile

Growth

Member growth YoY
-5.81%
14th percentile
Asset growth YoY
3.42%
65th percentile
Loan growth YoY
-14.82%
12th percentile
Share growth YoY
2.65%
62th percentile

Operations

Members / branch
632
29th percentile
Assets / member
$7,476
34th percentile
Field of membership penetration
31.60%
45th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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