STONEHAM MUNICIPAL EMPLOYEES Credit Union Profile

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STONEHAM MUNICIPAL EMPLOYEES

Charter #15393 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (781) 438-3959

Fax: (781) 438-6224

Founding Date: N/A

Website: http://www.smefcu.org

Personnel & Operations

President: Woodland, Anita

Manager: Waugh, Ann Marie

FT Employees: 7

PT Employees: 7

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 36

Branches: 4

Hours: Mon-Fri 9:00am-4:30pm Sat 9:00am-12:00pm

Credit Union Profile Summary

STONEHAM MUNICIPAL EMPLOYEES is a FCU Credit Union. With a total of 4,335 members [1], this institution manages approximately $71,245,984 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 13.9% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 6.41% [1].

Financial Snapshot

Total Assets [1]
$71,245,984

Total economic resources.

Total Loans [1]
$20,640,548

Total value of outstanding loans.

Total Deposits [1]
$60,094,557

Total funds deposited by members.

Members [1]
4,335

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.9%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.89%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
34.35%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 17.26%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 6.41%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 11.10%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

40 Pine St

Stoneham, MA, 02180-2048
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by STONEHAM MUNICIPAL EMPLOYEES (Charter #15393).

Main Office

Main Branch Main Office

Type: Corporate Office

40 Pine St

Stoneham, MA 02180-2048

Phone: (781) 438-3959

Services: Member Services

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Additional Branches

Wilmington

Branch

Type: Branch Office

200 Jefferson RD

Wilmington, MA 01887-1963

Phone: (978) 658-5394

Services: Member Services

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