Stoneham, Massachusetts · Peer group 4
Stoneham Municipal Employees Credit Union
Stoneham Municipal Employees Credit Union holds $70.4M in assets across 4,143 members as of Q1 2026 — about $17K of assets per member, on a charter dating to 1963. Charter number 15393, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $70.4M |
|---|---|
| Total loans | $19.0M |
| Total shares (deposits) | $58.6M |
| Net worth | $10.5M |
| Members | 4,143 |
| Assets per member | $17K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.4% | |
|---|---|---|
| Loans | -7.5% | around the 16th percentile of its peer group |
| Deposits | -3.2% | around the 13th percentile of its peer group |
| Members | -5.1% | around the 14th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 32.5% | lower than 93% of its peer group |
|---|---|---|
| Net worth ratio | 14.9% | around the 69th percentile of its peer group |
| Return on assets | 0.89% | around the 61st percentile of its peer group |
| Delinquency ratio | 1.77% | higher than 90% of its peer group |
| Cash / assets | 9.8% | around the 46th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Stoneham Municipal Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Massachusetts — the comparison set a peer ratio is measured against.
- New England Teamsters Credit Union
Charlestown, MA
$75.0M · 4,023 members
- Cranberry Credit Union
West Wareham, MA
$62.7M · 3,447 members
- Southcoast Credit Union
New Bedford, MA
$60.3M · 4,315 members
- Westport Credit Union
Westport, MA
$82.4M · 6,169 members
- Allcom Credit Union
Worcester, MA
$82.7M · 3,823 members
- Notre Dame Community Credit Union
FALL RIVER, MA
$57.4M · 3,110 members
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