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
Call Report peers
Stoneham Municipal Employees in the assets neighbourhood
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Stoneham Municipal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Stoneham Municipal Employees sits in 65-69 with 275 others.
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Massachusetts, HOMEFIELD (#111) scores 69/100, 1 point higher; one place down, North Adams M E (#113) scores 65/100, 3 points lower.
Quarter path for Stoneham Municipal Employees
Stoneham Municipal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $70.2M (2025Q4) to $70.4M (2026Q1).
- Net-worth ratio shifted +0.19 pp (14.74% → 14.93%).
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
Stoneham Municipal Employees gives up 32 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Stoneham Municipal Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Stoneham Municipal Employees scores 68/100 (Good), with a 14.93% net worth ratio and 1.77% of loans delinquent. It ranks #3,706 of 4,374 nationally on health and #112 of 126 in Massachusetts.
How does Stoneham Municipal Employees compare to other credit unions?
Stoneham Municipal Employees scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (14.93% vs 13.62%). Its widest shortfall is loan-to-share ratio (33.04% vs 62.60%).
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?
Stoneham Municipal Employees is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.