Cumberland Municipal Employees
Cumberland, RI · Charter 24486 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$9.2MAssets
$3.2MLoans
$7.3MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 85% of credit unions under $1B in assets (rank 258 of 1683).
- Widest gap: net interest margin trails 90% of credit unions under $1B in assets (rank 1511 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.37%
Rank 1,243 of 1,683
Net Interest Margin
2.88%
Rank 1,511 of 1,683
Efficiency Ratio
87.22%
Rank 1,274 of 1,682
Equity / Assets
19.26%
Rank 258 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.35% | 0.74% | 1.18% | Beats 26% | 1,243 / 1,683 | |
| Return on Equity | 1.93% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,352 / 1,681 | |
| Net Interest Margin | 2.88% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,511 / 1,683 | |
| Efficiency Ratio | 87.22% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,274 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.96% | 0.26% | 0.65% | 1.29% | Beats 35% | 1,099 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.26% | 10.44% | 12.89% | 16.53% | Beats 85% | 258 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.26% | 10.44% | 12.89% | 16.53% | Beats 85% | 258 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 44.23% | 52.61% | 69.38% | 83.50% | 16th pctl | 1,419 / 1,683 | |
| Loans / Assets | 35.35% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,461 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |