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Credit union call report ยท Stoneham, MA

Stoneham Municipal Employees Federal Credit Union Call Report

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Stoneham Municipal Employees Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 237 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Stoneham Municipal Employees Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number15393
Federal Reserve RSSD ID451581

The official copy: search charter number 15393 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Stoneham Municipal Employees Federal Credit Union call report, Q2 2026

Statement of Financial Condition (34 items)
Stoneham Municipal Employees Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $304K
1c. Total Cash on Hand 730A $304K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $5.0M
2c. Cash on Deposit in Other Financial Institutions 730B2 $205K
2. Cash on Deposit (total) 730B $5.2M
3. Time Deposits in Banks and Credit Unions AS0007 $37.1M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $42.6M
9. Held-to-Maturity Debt Securities AS0073 $250K
11. TOTAL INVESTMENT SECURITIES AS0013 $250K
12a. Nonperpetual Capital Account 769A $41K
12b. Perpetual Contributed Capital 769B $87K
12c. All Other Investments AS0016 $64K
13. TOTAL OTHER INVESTMENTS AS0017 $193K
15a. Number of Total Loans and Leases 025A 1,159
15b. Total Loans and Leases 025B $21.2M
17. ACL on Loans and Leases AS0048 $95K
19. Land and Building 007 $870K
20. Other Fixed Assets 008 $87K
21. NCUA Share Insurance Capitalization Deposit 794 $550K
22a. Goodwill 009D2 $832K
22c. Other Intangible Assets AS0032 $510K
22d. Accrued Interest on Loans 009A $27K
22e. Accrued Interest on Investments 009B $160K
22f. All Other Assets 009C $2.7M
22g. Total Other Assets AS0036 $4.2M
23. TOTAL ASSETS 010 $69.9M
Accounts Payable and Other Liabilities 825 $227K
Member Shares of All Types 013 $57.8M
Total Shares and Deposits 018 $57.8M
Undivided Earnings 940 $7.4M
Other Reserves 658 $670K
Total Net Worth 997 $10.7M
Net Worth Ratio 998 15.27%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $69.9M
Statement of Income and Expense (21 items)
Stoneham Municipal Employees Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $508K
3. Income from Investments 120 $798K
5. TOTAL INTEREST INCOME 115 $1.3M
6. Dividends on Shares 380 $133K
9. TOTAL INTEREST EXPENSE 350 $133K
10. NET INTEREST INCOME IS0010 $1.2M
11. Provision for Loan and Lease Losses 300 $9K
13. Fee Income 131 $87K
14. Other Operating Income IS0020 $7K
23. TOTAL NON-INTEREST INCOME 117 $94K
24. Employee Compensation and Benefits 210 $491K
25. Travel and Conference 230 $500
26. Office Occupancy 250 $76K
27. Office Operations 260 $153K
28. Educational and Promotional 270 $18K
29. Loan Servicing 280 $31K
30. Professional and Outside Services 290 $109K
32. Operating Fees 320 $3K
33. Miscellaneous Operating Expense 360 $60K
34. TOTAL NON-INTEREST EXPENSE 671 $943K
35. NET INCOME 661A $315K
Statement pages - all other filed accounts (19 items)

delinquency (21%), credit cards (21%)

Stoneham Municipal Employees Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $59K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $320K
Loans Granted Year-to-Date 031A $106
Amount of Loans Granted Year-to-Date 031B $5.1M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $332K
Number of current members (not number of accounts) 083 4,111
Number of potential members 084 11,000
Interest Rate of Unsecured Credit Card Loans 521 1,199.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,199.00%
Interest Rate of New Vehicle Loans 523 525.00%
Interest Rate of Used Vehicle Loans 524 649.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $2K
Amount of Regular Shares 657 $39.4M
Amount of Share Drafts 902 $10.2M
IRA/KEOGH Accounts - < 1 Year 906A $586K
Share Certificates - < 1 Year 908A $6.0M
Total Amount of Share Certificates 908C $6.8M
Total Amount of Money Market Shares 911 $747K
Number of Used Vehicle Loans 968 232
NCUA data file FS220A (21 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Stoneham Municipal Employees Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $57.0M
Total Shares - 1-3 Years 013B1 $778K
Total Shares - > 3 Years 013B2 $40K
Total Shares and Deposits - < 1 Year 018A $57.0M
Total Shares and Deposits - 1-3 Years 018B1 $778K
Total Shares and Deposits - > 3 Years 018B2 $40K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 2
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $3.0M
Amount of New Vehicle Loans 385 $1.4M
Amount of Unsecured Credit Card Loans 396 $595K
Amount of All Other Unsecured Loans/Lines of Credit 397 $1.0M
Share Certificates 451 $188
Number of Accounts for Share Drafts 452 1,407
IRA/KEOGH Accounts 453 $53
Number of Accounts for Regular Shares 454 4,847
Money Market Shares 458 $28
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 6,523
Number of credit union employees who are Full-Time (26 hours or more) 564A 6
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 8
Total credit lines 881 $8.5M
NCUA data file FS220B (19 items)

maturity and repricing buckets (40%), credit cards (17%)

Stoneham Municipal Employees Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $2.9M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $2.9M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $55.0M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
Amount of Regular Shares - < 1 Year 657A $39.4M
Fair value of Held to Maturity Securities 801 $250K
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $10.2M
IRA/KEOGH Accounts - 1-3 Years 906B1 $14K
IRA/KEOGH Accounts - > 3 Years 906B2 $40K
Total Amount of IRA/KEOGH Accounts 906C $640K
Share Certificates - 1-3 Years 908B1 $765K
Money Market Shares - < 1 Year 911A $747K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $99K
Number of New Vehicle Loans 958 70
Total Shares 966 $7K
Number of Unsecured Credit Card Loans 993 469
Number of All Other Unsecured Loans/Lines of Credit 994 243
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 5
NCUA data file FS220C (4 items)

charge-offs and recoveries (27%), participation loans (18%)

Stoneham Municipal Employees Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Number of credit union branches (include the main office if member services are conducted at that location) 566 5
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $3.3M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $305K
NCUA data file FS220D (20 items)

member services and products offered (69%), CUSO relationships (27%)

Stoneham Municipal Employees Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
First Time Homebuyer Program 879B4 $1
Student Scholarships 879C4 $1
Approved Mortgage Seller 879H $1
Deposits and Shares Meeting 703.10(a) 879M $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (4 items)

loans and leases (32%), participation loans (18%)

Stoneham Municipal Employees Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $3.7M
Total Credit Lines at Corporate Credit Unions 884 $2.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $2.6M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $2.6M
NCUA data file FS220H (1 item)

student loans (43%), delinquency (27%)

Stoneham Municipal Employees Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $3.8M
NCUA data file FS220I (4 items)

vehicle lending (59%), delinquency (44%)

Stoneham Municipal Employees Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $58K
Number of Reportable Delinquent Used Vehicle Loans 035E2 1
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $12K
Amount of Grants Awarded Year-to-Date 926 $2K
NCUA data file FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Stoneham Municipal Employees Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $1K
Total Amount of Loans & Leases on Loan Schedule 025B1 $21.2M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $3.5M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 675.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 563.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 405.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $230K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $11.5M
NCUA data file FS220M (8 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Stoneham Municipal Employees Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $1.5M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $2.0M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $43K
Total Other Unfunded Commitments (Non-Commercial) 816B5 $275K
Total Unfunded Commitments for Non-Commercial Loans 816T $3.8M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 55
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 74
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 16
NCUA data file FS220N (3 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Stoneham Municipal Employees Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $250K
Total Liabilities LI0069 $58.1M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $69.9M
NCUA data file FS220P (8 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Stoneham Municipal Employees Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $2K
All Other Unsecured Loans/Lines of Credit DL0022 $600
Used Vehicle Loans DL0037 $12K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $320K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $320K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $12K
Amount of Consumer Loans in Non-Accrual Status DL0145 $320K
NCUA data file FS220Q (23 items)

investment portfolio detail (69%)

Stoneham Municipal Employees Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $6.5M
Held-to-maturity Amortized Cost - US Government Obligations NV0001 $250K
Held-to-maturity Fair Value - US Government Obligations NV0002 $250K
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $250K
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $12.6M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $16.6M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $7.9M
Investment Maturity Distribution - Time Deposits - Total NV0116 $37.1M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $250K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $64K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $128K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $193K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $12.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $16.7M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $8.1M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $128K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $37.5M
RBC Total Equity RB0001 $11.8M
RBC Allowance for Credit Losses RB0002 $95K
RBC Total Additions RB0005 $95K
RBC Total Deductions RB0009 $1.9M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $9.9M
RBC Risk-Based Capital Numerator RB0012 $9.9M
NCUA data file FS220R (40 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Stoneham Municipal Employees Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $443K
RBC Schedule Total Consumer Loans RB0060 $6.2M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $95K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $95K
RBC Schedule Total Loans RB0079 $21.1M
RBC Total for Risk Weighting Total Loans RB0081 -$95K
RBC Total Loans 0% Weight RB0082 -$95K
RBC Schedule Total Other Assets RB0088 $5.8M
RBC Total for Risk Weighting Other Assets RB0090 $1.9M
RBC Other Assets 0% Weight RB0091 $1.9M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $69.9M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $1.8M
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $1.8M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $69.9M
RBC Allowance for Credit Losses (Loans) RB0177 $95K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 24.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 7,647,850.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 1,319,350.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 30.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 3,401,128.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 450,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 425,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 425,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $11.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $2.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 42.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 2,219,282.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 972,500.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 32.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 1,278,601.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 225,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $3.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $1.2M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $129
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $15.0M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $3.4M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $1.3M
Total Shares SH0013 $57.8M
Total Shares and Deposits SH0018 $57.8M

Stoneham Municipal Employees Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Stoneham Municipal Employees Federal Credit Union call report?

The Stoneham Municipal Employees Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Stoneham Municipal Employees Federal Credit Union file?

Stoneham Municipal Employees Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Stoneham Municipal Employees Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Stoneham Municipal Employees Federal Credit Union is 15393.

How often does Stoneham Municipal Employees Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Stoneham Municipal Employees Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.