Cranston Municipal Employees
Cranston, RI · Charter 60780 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 2 branches
Q2 2026
$79.8MAssets
$49.2MLoans
$59.5MShares
$14.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 92% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 2 of 25).
- Widest gap: return on equity trails 96% of credit unions under $1B in assets in the Providence-Warwick, RI-MA area (rank 24 of 25).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.67%
Rank 24 of 25
Net Interest Margin
2.55%
Rank 22 of 25
Efficiency Ratio
119.69%
Rank 24 of 25
Equity / Assets
18.53%
Rank 2 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.67% | 0.39% | 0.58% | 0.96% | Beats 4% | 24 / 25 | | |
| Return on Equity | -3.60% | 3.08% | 5.38% | 8.04% | Beats 4% | 24 / 25 | | |
| Net Interest Margin | 2.55% | 2.78% | 3.19% | 3.68% | Beats 12% | 22 / 25 | | |
| Efficiency Ratio | 119.69% | 74.87% | 81.63% | 89.25% | Beats 8% | 24 / 25 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.21% | 0.48% | 0.93% | Beats 80% | 6 / 25 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.53% | 9.94% | 11.40% | 12.51% | Beats 92% | 2 / 25 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.53% | 9.94% | 11.40% | 12.51% | Beats 92% | 2 / 25 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.63% | 54.80% | 74.79% | 86.25% | 64th pctl | 9 / 25 | | |
| Loans / Assets | 61.62% | 49.28% | 61.62% | 76.11% | 48th pctl | 13 / 25 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |