Federal credit union · MEDFORD, Massachusetts · NCUA charter #24615
Medford Municipal Employees
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $7.3M
- Total assets
- 761
- Members
- 26.1%
- Net-worth ratio
Medford Municipal Employees scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.3M; members 761; net-worth ratio 26.09%; health rank #3,311 of 4,374; healthier than 23rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,311 of 4,374 health · 2025Q4Medford Municipal Employees · health 74/100 · $7.3M · 2025Q4
- ROA 74/100
- ASSETS 26.1%
- MEM 1.64%
- RANK 0.63%
- PHOTO $7.3M
- BOOK 761
- CHARTER #3,311/4,374
- NCUSIF n/a
- CAMELS 24615
Call Report peers
Medford Municipal Employees carries $7.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Medford Municipal Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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 vs $2M–$10M peers
- Largest favorable gap: Net Worth Ratio at 26.09% vs peer 19.06% (+7.03 pp).
- Loan-to-Share Ratio trails the peer set - 50.52% here, 63.60% peer average (-13.08 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Medford Municipal Employees in Massachusetts
- Health composite ranks #101 of 126 among scored Massachusetts credit unions.
- By total assets, Medford Municipal Employees is #111 of 126 in Massachusetts.
- Member book place in Massachusetts: #111 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Medford Municipal Employees
Medford Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.1% from $7.3M (2025Q4) to $7.1M (2026Q1).
- Net-worth ratio shifted +1.00 pp (25.09% → 26.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
26.09% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.2 pts
- Return on Assets 15.0 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 10.3 pts
Call Report ratios for Medford Municipal Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.09% | +7.03 pp |
| Delinquency Rate | 1.64% | -0.17 pp |
| Return on Assets | 0.63% | +0.18 pp |
| Member Growth | -3.06% | - |
| Loan-to-Share Ratio | 50.52% | -13.08 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Medford Municipal Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.1M | - |
| 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
Branch Location
Medford Municipal Employees operates a single office in MEDFORD, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Medford Mun Emp FCU (Main Office) | MEDFORD, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$10M86Health
- HEALTH ALLIANCESOMERVILLE, MA · $2M–$10M77Health
- NORWOOD TOWN EMPLOYEESNorwood, MA · $2M–$10M69Health
Compare Medford Municipal Employees vs SOMERVILLE MASS FIREFIGHTERS
Medford Municipal Employees nationwide neighbourhoods
Two NCUA Call Report peer sets for Medford Municipal Employees, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- Medford Municipal Employees ranks #3,311 of 4,374 nationally on financial health and #101 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Somerville Mass Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Somerville Mass Firefighters
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Medford Municipal Employees financially healthy?
A 26.09% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,311 of 4,374; by total assets it ranks #3,712 of 4,374 nationally (same basis as /rankings/largest); and #111 of 126 within Massachusetts. 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 26.09% 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.
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.