Federal credit union · MEDFORD, Massachusetts · NCUA charter #24615
Medford Municipal Employees
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $7.3M
- Total assets
- 761
- Members
- 23.3%
- Net-worth ratio
Medford Municipal Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24615. See our deposit-insurance coverage note.
Medford Municipal Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)61
- Earnings (ROA)100
- Member growth23
- Liquidity (loan-to-share)71
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
23.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 23.31% | 30% |
| Delinquency Rate | 1.64% | 25% |
| Return on Assets | 0.63% | 15% |
| Member Growth | -3.06% | 15% |
| Loan-to-Share Ratio | 50.52% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $7.3M | 761 |
| 2024Q4 | $7.2M | 785 |
| 2023Q4 | $7.5M | 798 |
Credit Union Details
- Charter Number
- 24615
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- MEDFORD
- Data Quarter
- 2025Q4
What This Data Says About Medford Municipal Employees
Charter #24615, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Medford Municipal Employees, a federal credit union in MEDFORD, Massachusetts with 761 members, $7.3M in total assets, and $2.7M in outstanding loans as of Q4 2025. The five-factor composite scores it 74/100 (Very Good), helped by a net worth ratio of 23.31% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 1.64% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 50.52% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.63% on net income of $46K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.06%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Low Income) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
- SOMERVILLE MASS FIREFIGHTERSSOMERVILLE, MA · $2M–$10M92Health
- DANVERS MUNICIPALDanvers, MA · $2M–$10M97Health
- LOWELL MUNICIPAL EMPLOYEESLowell, MA · $2M–$10M83Health
- HEALTH ALLIANCESOMERVILLE, MA · $2M–$10M77Health
- NORWOOD TOWN EMPLOYEESNorwood, MA · $2M–$10M69Health
Compare Medford Municipal Employees vs SOMERVILLE MASS FIREFIGHTERS
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Medford Municipal Employees financially healthy?
A 23.31% net worth ratio and a 1.64% delinquency rate feed into Medford Municipal Employees's financial health score of 74/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Medford Municipal Employees compare to other credit unions?
On PlainCU's health composite, Medford Municipal Employees lands at 74/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Medford Municipal Employees?
Medford Municipal Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Medford Municipal Employees directly to confirm current membership steps.
Is my money safe at Medford Municipal Employees?
Federal credit unions like Medford Municipal Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Medford Municipal Employees's net worth ratio of 23.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Medford Municipal Employees offer compared to banks?
Credit unions like Medford Municipal Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Medford Municipal Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.