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Letter portraitLegal landscapeQuarterYTD

Cranston Municipal Employees

Cranston, RI · Charter 60780

NCUA · 2 branches

Q2 2026

$79.8MAssets
$49.2MLoans
$59.5MShares
$14.8MNet Worth

Executive Summary

  • Earnings: ROA of -0.67%, down 44 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.21% of loans (+18 bps YoY).
  • Capital: net worth / assets of 18.53%, down 82 bps from a year ago.
  • Funding: loans stand at 82.63% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.67%-44 bps YoY

Net Interest Margin (YTD, annualized)

2.55%+4 bps YoY

Efficiency Ratio (YTD, annualized)

119.76%+1,587 bps YoY

Net Worth / Assets

18.53%-82 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.29%-0.18%0.14%-0.23%-0.36%-0.45%-0.85%-0.67%-44 bps
Return on Equity-1.50%-0.95%0.71%-1.19%-1.86%-2.39%-4.48%-3.60%-241 bps
Net Interest Margin2.06%2.14%2.49%2.51%2.55%2.51%2.51%2.55%+4 bps
Efficiency Ratio110.98%106.54%93.78%103.89%106.42%108.64%127.59%119.76%+1,587 bps
Growth
Asset Growth (YoY)-2.98%-3.56%-1.26%-2.15%-2.42%-1.35%-1.29%0.66%+281 bps
Loan Growth (YoY)-2.32%-6.03%-5.58%-7.24%-7.96%-7.11%-3.62%-1.94%+530 bps
Share Growth (YoY)-2.54%2.51%-2.45%-2.76%-2.80%-2.20%-0.31%2.70%+547 bps
Asset Quality
Delinquent Loans / Loans0.08%0.06%0.08%0.03%0.18%0.30%0.23%0.21%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.13%19.15%19.41%19.35%19.34%18.94%18.94%18.53%-82 bps
Net Worth / Assets19.13%19.15%19.41%19.35%19.34%18.94%18.94%18.53%-82 bps
Liquidity & Funding
Loans / Shares89.81%86.38%87.25%86.55%85.04%82.04%84.36%82.63%-392 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps