MEDFORD MUNICIPAL EMPLOYEES
Charter #24615 | MA
<100M
(2596 CUs)
Micro
($0-$500M)
68 <100M in MA
MEDFORD MUNICIPAL EMPLOYEES has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.73% above tier average
- + Net Interest Margin 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
761
-1.9% YoY-4.3% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 21.7% in tier |
| Assets |
$7.3M
-0.3% YoY-1.8% QoQ
|
$-22.6M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
26th in tier |
| Loans |
$2.4M
-0.9% YoY-3.6% QoQ
|
$-13.4M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 20.3% in tier |
| Deposits |
$5.4M
-2.0% YoY-2.9% QoQ
|
$-20.0M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 24.7% in tier |
| ROA |
1.4%
+142.3% YoY+10.8% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Top 22.3% in tier |
| NIM |
4.3%
+29.6% YoY+4.6% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
68th in tier |
| Efficiency Ratio |
67.4%
-18.3% YoY-2.7% QoQ
|
-14.0% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
26th in tier |
| Delinquency Rate |
0.3%
+103.8% YoY-50.0% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
30th in tier |
| Loan To Share |
44.4%
+1.1% YoY-0.7% QoQ
|
-16.9% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 24.2% in tier |
| AMR |
$10,320
+0.3% YoY+1.2% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
30th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
288
Net Worth Ratio
risk
Value:
24.97%
Peer Avg: 16.43%
#288 of 2596
Top 11.1% in <100M tier
578
Return on Assets (ROA)
profitability
Value:
1.41%
Peer Avg: 0.68%
#578 of 2596
Top 22.2% in <100M tier
Top Weaknesses (5 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2070
Total Loans
balance_sheet
Value:
$2.41M
Peer Avg: $15.77M
#2070 of 2596
Bottom 20.3% in <100M tier
2032
Total Members
engagement
Value:
761
Peer Avg: 2,626
#2032 of 2596
Bottom 21.8% in <100M tier
1965
Loan-to-Share Ratio
balance_sheet
Value:
44.35%
Peer Avg: 61.23%
#1965 of 2596
Bottom 24.3% in <100M tier
1956
Total Deposits
balance_sheet
Value:
$5.44M
Peer Avg: $25.45M
#1956 of 2596
Bottom 24.7% in <100M tier