BlastPoint's Credit Union Scorecard
MEDFORD MUNICIPAL EMPLOYEES
Charter #24615 · MA
MEDFORD MUNICIPAL EMPLOYEES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.50% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.06% below tier average
- - Member decline: -5.0% YoY
- - Fee Income Per Member: Bottom 3.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in Massachusetts.
- Shares and deposits -4.8% year over year ($5.3M in shares and deposits).
- Membership: 755 members, -5.0% vs a year ago.
- Delinquency rate 1.38%.
- Return on assets 0.43%.
- Efficiency ratio 72.32% vs a 88.77% peer average.
- Loan-to-share ratio 44.98% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
755
-5.0% YoY-0.4% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$7.2M
-2.7% YoY+1.5% QoQ
|
$-23.1M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$2.4M
-4.2% YoY-4.8% QoQ
|
$-13.1M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$5.3M
-4.8% YoY+2.1% QoQ
|
$-20.5M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
24% |
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| ROA |
0.4%
-66.0% YoY-45.9% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
27% |
| NIM |
4.4%
+6.0% YoY-1.7% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
72.3%
+4.4% YoY-11.9% QoQ
|
-16.4% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
31% |
| Delinquency Rate |
1.4%
+169.2% YoY+4.9% QoQ
|
-0.2 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
69% |
| Loan To Share |
45.0%
+0.7% YoY-6.8% QoQ
|
-13.9% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$10,241
+0.4% YoY+0.3% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 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)