MEDFORD MUNICIPAL EMPLOYEES
Charter #24615 · MEDFORD, MA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 44th — a 36-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 | MEDFORD MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.09M | 81th pct | 44th pct |
| Members | 758 | 66th pct | 31th pct |
| Net worth ratio | 26.09% | 78th pct | 72th pct |
| Return on average assets | 0.79% | 65th pct | 57th pct |
| Net interest margin | 4.41% | 60th pct | 66th pct |
| Cost of funds | 1.06% | 67th pct | 67th pct |
| Loan-to-share | 48.26% | 38th pct | 49th pct |
| Delinquency 60+ days | 1.32% | 58th pct | 62th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | 4.44% | 87th pct | 90th pct |
| Share growth YoY | -4.02% | 22th pct | 13th pct |
| Efficiency ratio | 82.07% | 43th pct | 52th pct |
structural peer set hash: 42d926327fb1a2b9812c3a56a6e79f44… (reproducible)
Closest structural peers
This is the free public view
Claim MEDFORD MUNICIPAL EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.