TellerScore

Stoneham Municipal Employees Federal Credit Union (NCUA charter #15393) is based in Stoneham, Massachusetts. Its Q2 2026 call report shows $69.9M in total assets and $57.8M in member shares and deposits and 4 offices.

Stoneham Municipal Employees Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 59% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 41st. Capital cushion contributes the most (100/100, 15.27%); loan quality contributes the least (48/100, 1.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.27%
Loan quality48/100
Loans 60+ days delinquent ÷ total loans: 1.57%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity100/100
Loans ÷ shares: 36.6% · 4.9% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.11%

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 4 points (74 → 78), mostly because the capital cushion component improved by 11 points.

TellerScore
748086Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202486
Q4 202486
Q1 202584
Q2 202574
Q3 202575
Q4 202576
Q1 202675
Q2 202678
Net worth ratio
7.00%11.13%15.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.45%
Q3 202413.66%
Q4 202413.70%
Q1 202513.58%
Q2 202513.90%
Q3 202514.49%
Q4 202514.74%
Q1 202614.93%
Q2 202615.27%
Delinquent loans (60+ days)
0.00%0.92%1.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.02%
Q1 20250.03%
Q2 20251.58%
Q3 20251.83%
Q4 20251.77%
Q1 20261.77%
Q2 20261.57%
Return on assets
0.60%0.84%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20240.74%
Q4 20240.75%
Q1 20250.60%
Q2 20250.89%
Q3 20251.06%
Q4 20251.09%
Q1 20260.89%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$69.9M15.27%1.57%0.90%36.6%
Q1 202675$70.4M14.93%1.77%0.89%32.5%
Q4 202576$70.2M14.74%1.77%1.09%33.0%
Q3 202575$70.0M14.49%1.83%1.06%34.3%
Q2 202574$71.2M13.90%1.58%0.89%34.3%
Q1 202584$71.4M13.58%0.03%0.60%34.0%
Q4 202486$70.0M13.70%0.02%0.75%35.1%
Q3 202486$68.5M13.66%0.00%0.74%36.3%
Q2 202481$60.8M12.45%0.00%0.60%37.4%

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 ratio15.27%
56th
Problem loans1.57%
27th
Net charge-offs0.02%
66th
Return on assets0.90%
63rd
Loans to deposits36.6%
82nd
Uninsured deposits4.9%
22nd
Loan-loss reserves0.00%
37th
Texas ratio3.1%
42nd

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
New England Teamsters Federal Credit UnionCredit union Charlestown, MA62 out of 100, Moderate$74.8M12.9%2.08%vs
Cranberry Federal Credit UnionCredit union West Wareham, MA57 out of 100, Moderate$63.3M8.2%0.66%vs
Southcoast Federal Credit UnionCredit union New Bedford, MA74 out of 100, Strong$59.0M12.4%0.27%vs
Notre Dame Community Federal Credit UnionCredit union Fall River, MA58 out of 100, Moderate$58.3M12.8%2.59%vs
Allcom Credit UnionCredit union Worcester, MA85 out of 100, Very strong$81.8M16.6%0.07%vs
Westport Federal Credit UnionCredit union Westport, MA75 out of 100, Strong$82.2M9.9%0.37%vs

Deposit insurance

Is my money safe at Stoneham Municipal Employees Federal Credit Union?

Yes. Stoneham Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #15393). 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 4.9% of shares and deposits ($2.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.27%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Stoneham Municipal Employees Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Stoneham Municipal Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
15393
RSSD ID
451581
Primary regulator
NCUA
Established
1963
Headquarters
40 Pine St, Stoneham, MA 02180
Employees
14

Quick answers

Stoneham Municipal Employees Federal Credit Union: common questions

Is Stoneham Municipal Employees Federal Credit Union NCUA insured?

Yes. Stoneham Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #15393). 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 Stoneham Municipal Employees Federal Credit Union's TellerScore?

78 out of 100 (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 Stoneham Municipal Employees Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Stoneham

InstitutionScoreAssetsCapitalProblem loansCompare
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs