Federal credit union · Stoneham, Massachusetts · NCUA charter #15393
Stoneham Municipal Employees
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $70.2M
- Total assets
- 4,153
- Members
- 10.1%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)57
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)60
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.05%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.05% | 30% |
| Delinquency Rate | 1.77% | 25% |
| Return on Assets | 0.74% | 15% |
| Member Growth | -5.20% | 15% |
| Loan-to-Share Ratio | 33.04% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Stoneham Municipal Employees
Stoneham Municipal Employees is a federal credit union headquartered in Stoneham, Massachusetts, serving 4,153 members with $70.2M in total assets and $19.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 68/100 (Good), anchored by a net worth ratio of 10.05% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #15393 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 1.77% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Meanwhile a 33.04% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.74% on net income of $522K 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 -5.20%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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
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 Stoneham Municipal Employees financially healthy?
A 10.05% 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. 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 10.05% 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.
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.