Credit union · NCUA insured
Stoneham Municipal Employees Federal Credit Union
Top CarrotA $70.4M credit union headquartered in Stoneham, MA, with 4,143 members and 4 branches in Massachusetts. Best rates: CDs 4.20% and savings 1.90% APY.
Stoneham Municipal Employees Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#19 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Stoneham Municipal Employees Federal Credit Union
Stoneham Municipal Employees Federal Credit Union serves the communities of Stoneham, Wilmington, Melrose, Middleton, Reading, North Reading, and Wakefield, with branch locations in Stoneham, Wilmington, Wakefield, and Reading, Massachusetts.
- Headquarters
- 40 Pine St, Stoneham, MA 02180-2048
- NCUA charter
- 15393
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to individuals in the served communities of Stoneham, Wilmington, Melrose, Middleton, Reading, North Reading, and Wakefield.
Employers and groups
- Membership is available to employees of local businesses approved by the Board of Directors.
- Membership is available to members of the Friends of the Melrose Library.
- Membership is available to members of the Friends of the Stoneham Public Library.
- Membership is available to members of the Friends of Wilmington Memorial Library.
Military, government and schools
- Membership is available to students of the Stoneham Public School System.
Branches
4 branches in Massachusetts
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Massachusetts
4 branches
- Main BranchMain office40 Pine St, Stoneham, MA 02180Directions
- Branch218 Ash St, Reading, MA 01867Directions
- Branch47 Tuttle St, Wakefield, MA 01880Directions
- Disaster Recovery200 Jefferson RD, Wilmington, MA 01887Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.27% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.57% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.90% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $37 | $59 | — |
- CapitalNet worth ratio15.27%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.57%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.90%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$37Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Stoneham Municipal Employees Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.