Federal credit union · Stoneham, Massachusetts · NCUA charter #15393
Stoneham Municipal Employees
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $70.2M
- Total assets
- 4,153
- Members
- 14.9%
- Net-worth ratio
Stoneham Municipal Employees scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $70.2M; members 4,153; net-worth ratio 14.93%; health rank #3,706 of 4,374; healthier than 15th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,706 of 4,374 health · 2025Q4Stoneham Municipal Employees · health 68/100 · $70.2M · 2025Q4
- BOOK 68/100
- CHARTER 14.9%
- NCUSIF 1.77%
- CAMELS 0.74%
- HEALTH $70.2M
- NW 4,153
- DELQ #3,706/4,374
- ROA Capital Area
- ASSETS 15393
Call Report peers
Stoneham Municipal Employees in the assets neighbourhood
Stoneham Municipal Employees's $70.2M assets sit next to Capital Area ($70.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Stoneham 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
68 15th percentile higher than 15% 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
Stoneham Municipal Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #15393 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Stoneham Municipal Employees vs $50M–$100M peers
- Net Worth Ratio leads the peer set - 14.93% here, 13.62% peer average (+1.31 pp).
- Largest lag: Loan-to-Share Ratio at 33.04% vs peer 62.60% (-29.56 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Stoneham Municipal Employees: in-state Call Report ranks
- In Massachusetts, health place is #112 of 126 on the same NCUA-ratio sort used nationally.
- By total assets, Stoneham Municipal Employees is #67 of 126 in Massachusetts.
- Membership ranks #65 of 126 among Massachusetts CUs with a reported count (4,153 members).
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 Stoneham Municipal Employees
Stoneham Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $70.2M (2025Q4) to $70.4M (2026Q1).
- Net-worth ratio shifted +0.19 pp (14.74% → 14.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.93%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 68/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.2 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.8 pts
Stoneham Municipal Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.93% | +1.31 pp |
| Delinquency Rate | 1.77% | +0.81 pp |
| Return on Assets | 0.74% | +0.09 pp |
| Member Growth | -5.20% | - |
| Loan-to-Share Ratio | 33.04% | -29.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Stoneham Municipal Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $70.4M | - |
| 2025Q4 | $70.2M | 4,153 |
| 2024Q4 | $70.0M | 4,381 |
| 2023Q4 | $62.5M | 3,930 |
Credit Union Details
- Charter Number
- 15393
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Massachusetts
- City
- Stoneham
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Stoneham Municipal Employees, spread across 4 cities.
| Office | City |
|---|---|
| Main Branch (Main Office) | Stoneham, MA |
| Branch | Reading, MA |
| Branch | Wakefield, MA |
| Disaster Recovery | Wilmington, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
- NEW ENGLAND TEAMSTERSCharlestown, MA · $50M–$100M71Health
- CRANBERRYWest Wareham, MA · $50M–$100M71Health
- SOUTHCOASTNew Bedford, MA · $50M–$100M90Health
- WESTPORTWestport, MA · $50M–$100M80Health
- ALLCOMWorcester, MA · $50M–$100M89Health
Compare Stoneham Municipal Employees vs NEW ENGLAND TEAMSTERS
Nationwide credit unions with similar profiles
Stoneham Municipal Employees's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($70.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
Using this data
- Stoneham Municipal Employees ranks #3,706 of 4,374 nationally on financial health and #112 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New England Teamsters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New England Teamsters
- 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 Stoneham Municipal Employees financially healthy?
A 14.93% net worth ratio and a 1.77% delinquency rate feed into Stoneham Municipal Employees's financial health score of 68/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,706 of 4,374; by total assets it ranks #2,135 of 4,374 nationally (same basis as /rankings/largest); and #67 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Stoneham Municipal Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Stoneham Municipal Employees's 68/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Stoneham Municipal Employees?
Stoneham Municipal Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Stoneham Municipal Employees directly for the current list of qualifying groups.
Is my money safe at Stoneham Municipal Employees?
Federal credit unions like Stoneham 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. Stoneham Municipal Employees's net worth ratio of 14.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Stoneham Municipal Employees offer compared to banks?
Credit unions like Stoneham 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 Stoneham 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.