STONEHAM MUNICIPAL EMPLOYEES
Charter #15393 · Stoneham, MA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.93% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.45% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.77% sits at the 84th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 52nd — a 27-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | STONEHAM MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $70.38M | 48th pct | 51th pct |
| Members | 4,143 | 31th pct | 51th pct |
| Net worth ratio | 14.93% | 69th pct | 77th pct |
| Return on average assets | 0.89% | 61th pct | 66th pct |
| Net interest margin | 3.24% | 26th pct | 52th pct |
| Cost of funds | 0.45% | 21th pct | 23th pct |
| Loan-to-share | 32.51% | 7th pct | 16th pct |
| Delinquency 60+ days | 1.77% | 90th pct | 84th pct |
| Net charge-off ratio | 0.04% | 23th pct | 33th pct |
| Loan growth YoY | -5.08% | 18th pct | 20th pct |
| Share growth YoY | 0.01% | 18th pct | 25th pct |
| Efficiency ratio | 74.46% | 35th pct | 38th pct |
structural peer set hash: 22edd756e34a7629059cdbce59e02812… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.