Stoneham Municipal Employees Federal Credit Union

Stoneham, MA

Rating Date

December 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

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Weiss Ratings	Stoneham Municipal Employees Federal Credit Union Stoneham, MA	Click to Compare	Click to Compare	Click to Compare
Rating	A
Asset Quality Index	9.20
Capitalization Index	10.00
Liquidity Index	7.00
Profitability Index	6.70
Stability Index	7.00

Company Info	Stoneham Municipal Employees Federal Credit Union Stoneham, MA	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	2921
Phone Number	(781) 438-3959
Website	smefcu.org/cms

Asset Quality	Stoneham Municipal Employees Federal Credit Union Stoneham, MA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	2.29%
5-Year Asset Growth	6.17%
5-Year Charge-Offs to Average Loans	0.09%
Charge-Offs to Average Loans	0.04%
Non-Performing Assets to Assets	0.52%
Non-Performing Loans to Capital	3.23%
Non-Performing Loans to Loans	1.83%

Balance Sheet	Stoneham Municipal Employees Federal Credit Union Stoneham, MA	Click to Compare	Click to Compare	Click to Compare
Total Assets	70.04M
Total Deposits	58.55M

Capital and Reserves	Stoneham Municipal Employees Federal Credit Union Stoneham, MA	Click to Compare	Click to Compare	Click to Compare
Capital	11.27M
Leverage Ratio	14.49
Loan Loss Reserves to Loans	0.46%

Liquidity	Stoneham Municipal Employees Federal Credit Union Stoneham, MA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	5.27%
Liquidity Ratio	37.56%

Profitability	Stoneham Municipal Employees Federal Credit Union Stoneham, MA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.54%
Net Income	558.00K
Net Interest Spread	4.07%
Operating Profit to Average Assets	1.05%
Overhead Efficiency Ratio	79.33%
Return on Assets	1.05%
Return on Equity	6.80%