BlastPoint's Credit Union Scorecard
STONEHAM MUNICIPAL EMPLOYEES
Charter #15393 · MA
STONEHAM MUNICIPAL EMPLOYEES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.47% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.21% above tier average
- - Member decline: -5.2% YoY
- - First Mortgage Concentration (%): Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,153
-5.2% YoY-3.2% QoQ
|
+1.5K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$70.2M
+0.3% YoY+0.2% QoQ
|
+$40.1M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Top 12.4% in tier |
| Loans |
$19.3M
-6.8% YoY-3.6% QoQ
|
+$3.6M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$58.5M
-1.1% YoY-0.1% QoQ
|
+$32.8M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 13.1% in tier |
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| ROA |
1.1%
+44.2% YoY+3.3% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
3.5%
+1.8% YoY-1.1% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
76.4%
-2.3% YoY-3.6% QoQ
|
-6.1% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
1.8%
+9079.4% YoY-3.4% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
33.0%
-5.8% YoY-3.5% QoQ
|
-27.6% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.6% in tier |
| AMR |
$18,742
+2.8% YoY+2.3% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
10.6%
+37.2% YoY-2.6% QoQ
|
-13.8% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)