B
Stoneham Municipal Employees Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
13.90
Leverage
Ratio
13.90
Return On
Assets
0.89%
Total
Assets
71.25M
Capital
11.03M
Total
Deposits
60.10M
Net
Income
316.00K
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Weiss Ratings Stoneham Municipal Employees Federal Credit Union
Stoneham, MA 		Click to
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Rating B
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 7.20
Profitability Index 5.10
Stability Index 6.60
Company Info Stoneham Municipal Employees Federal Credit Union
Stoneham, MA 		Click to
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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
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1-Year Asset Growth 17.26%
5-Year Asset Growth 6.17%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.46%
Non-Performing Loans to Capital 0.05%
Non-Performing Loans to Loans 0.03%
Balance Sheet Stoneham Municipal Employees Federal Credit Union
Stoneham, MA 		Click to
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Total Assets 71.25M
Total Deposits 60.10M
Capital and Reserves Stoneham Municipal Employees Federal Credit Union
Stoneham, MA 		Click to
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Capital 11.03M
Leverage Ratio 13.90
Loan Loss Reserves to Loans 0.43%
Liquidity Stoneham Municipal Employees Federal Credit Union
Stoneham, MA 		Click to
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Hot Money Ratio 4.24%
Liquidity Ratio 43.29%
Profitability Stoneham Municipal Employees Federal Credit Union
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5-Year Return on Average Assets 0.54%
Net Income 316.00K
Net Interest Spread 4.04%
Operating Profit to Average Assets 0.89%
Overhead Efficiency Ratio 83.19%
Return on Assets 0.89%
Return on Equity 5.83%