Pawtucket Municipal Employees
Pawtucket, RI · Charter 16016 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 1 branch
Q2 2026
$6.2MAssets
$3.7MLoans
$5.3MShares
$824KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 80% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 5 of 25).
- Widest gap: efficiency ratio trails 76% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 20 of 25).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.45%
Rank 18 of 25
Net Interest Margin
3.90%
Rank 5 of 25
Efficiency Ratio
89.34%
Rank 20 of 25
Equity / Assets
13.38%
Rank 5 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.39% | 0.58% | 0.96% | Beats 28% | 18 / 25 | | |
| Return on Equity | 3.40% | 3.08% | 5.38% | 8.04% | Beats 28% | 18 / 25 | | |
| Net Interest Margin | 3.90% | 2.78% | 3.19% | 3.68% | Beats 80% | 5 / 25 | | |
| Efficiency Ratio | 89.34% | 74.87% | 81.63% | 89.25% | Beats 24% | 20 / 25 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.21% | 0.48% | 0.93% | Beats 44% | 15 / 25 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.38% | 9.94% | 11.40% | 12.51% | Beats 80% | 5 / 25 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.38% | 9.94% | 11.40% | 12.51% | Beats 80% | 5 / 25 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.81% | 54.80% | 74.79% | 86.25% | 40th pctl | 15 / 25 | | |
| Loans / Assets | 60.29% | 49.28% | 61.62% | 76.11% | 36th pctl | 16 / 25 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |