TellerScore

Middlesex-Essex Postal Employees Federal Credit Union is a federal credit union headquartered in North Reading, Massachusetts, in business for about 57 years. At the end of Q2 2026 it reported $4.6M in total assets and $2.9M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Middlesex-Essex Postal Employees Federal Credit Union scores 92/100, which we describe as very strong. That is higher than 92% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 7th. Its strongest component is capital cushion (100/100; 37.19%), and its lowest is earnings (79/100; 1.48%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 37.19%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.43%
Earnings79/100
Return on assets (annualized): 1.48%
Funding & liquidity100/100
Loans ÷ shares: 46.7% · 0.6% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.34%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 13 points (79 → 92), mostly because the loan quality component improved by 64 points.

TellerScore
678092Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202471
Q4 202486
Q1 202575
Q2 202579
Q3 202582
Q4 202592
Q1 202689
Q2 202692
Net worth ratio
7.00%22.09%37.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202433.17%
Q3 202434.70%
Q4 202435.26%
Q1 202534.86%
Q2 202535.53%
Q3 202535.41%
Q4 202535.82%
Q1 202635.20%
Q2 202637.19%
Delinquent loans (60+ days)
0.43%1.88%3.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.33%
Q3 20243.23%
Q4 20241.12%
Q1 20252.94%
Q2 20252.34%
Q3 20251.93%
Q4 20250.64%
Q1 20260.61%
Q2 20260.43%
Return on assets
1.10%1.64%2.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.10%
Q3 20241.62%
Q4 20241.43%
Q1 20252.18%
Q2 20251.89%
Q3 20251.76%
Q4 20251.72%
Q1 20261.31%
Q2 20261.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$4.6M37.19%0.43%1.48%46.7%
Q1 202689$4.9M35.20%0.61%1.31%45.5%
Q4 202592$4.7M35.82%0.64%1.72%49.9%
Q3 202582$4.7M35.41%1.93%1.76%51.0%
Q2 202579$4.7M35.53%2.34%1.89%52.7%
Q1 202575$4.7M34.86%2.94%2.18%53.9%
Q4 202486$4.6M35.26%1.12%1.43%60.1%
Q3 202471$4.6M34.70%3.23%1.62%62.5%
Q2 202467$4.7M33.17%3.33%1.10%63.7%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio37.19%
97th
Problem loans0.43%
61st
Net charge-offs0.23%
44th
Return on assets1.48%
84th
Loans to deposits46.7%
69th
Uninsured deposits0.6%
58th
Loan-loss reserves1.03%
83rd
Texas ratio0.3%
78th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Revere Firefighters Federal Credit UnionCredit union Revere, MA88 out of 100, Very strong$4.8M16.3%0.00%vs
Lynn Teachers Credit UnionCredit union Lynn, MA86 out of 100, Very strong$5.2M20.4%1.62%vs
Belmont Municipal Federal Credit UnionCredit union Belmont, MA81 out of 100, Strong$3.7M22.9%1.73%vs
Norwood Town Employees Federal Credit UnionCredit union Norwood, MA62 out of 100, Moderate$5.8M27.1%4.88%vs
Health Alliance Federal Credit UnionCredit union Somerville, MA83 out of 100, Strong$6.0M16.3%1.51%vs
New England Lee Federal Credit UnionCredit union Boston, MA84 out of 100, Strong$2.8M55.1%0.95%vs

Deposit insurance

Is my money safe at Middlesex-Essex Postal Employees Federal Credit Union?

Yes. Middlesex-Essex Postal Employees Federal Credit Union is a federally insured credit union (NCUA charter #19446). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.6% of shares and deposits ($18K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 37.19%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Middlesex-Essex Postal Employees Federal Credit Union lists 1 office in 1 city. Most locations:

  • North Reading, MA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Middlesex-Essex Postal Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
19446
RSSD ID
876184
Primary regulator
NCUA
Established
1969
Headquarters
PO Box 577, North Reading, MA 01864
Employees
2

Quick answers

Middlesex-Essex Postal Employees Federal Credit Union: common questions

Is Middlesex-Essex Postal Employees Federal Credit Union NCUA insured?

Yes. Middlesex-Essex Postal Employees Federal Credit Union is a federally insured credit union (NCUA charter #19446). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Middlesex-Essex Postal Employees Federal Credit Union's TellerScore?

92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Middlesex-Essex Postal Employees Federal Credit Union have?

1 office as of the latest NCUA data.