BlastPoint's Credit Union Scorecard
PAWTUCKET MUNICIPAL EMPLOYEES
Charter #16016 · RI
PAWTUCKET MUNICIPAL EMPLOYEES demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.75% above tier average
- + Net Interest Margin 0.94% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,375
+0.6% YoY+0.1% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
35,881
+9.1% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$5.9M
+0.6% YoY-0.4% QoQ
|
$-24.2M |
$30.1M
+2.1% YoY
|
$774.2M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$3.5M
-5.7% YoY-6.7% QoQ
|
$-12.3M |
$15.8M
-1.3% YoY
|
$651.4M
+11.4% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$5.1M
-0.3% YoY-0.3% QoQ
|
$-20.6M |
$25.7M
+1.4% YoY
|
$643.2M
+11.9% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
1.4%
+24.4% YoY+66.1% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.5%
-9.1% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
4.9%
+4.4% YoY+15.6% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.0%
+1.1% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
72.5%
-5.9% YoY-10.5% QoQ
|
-10.1% |
82.6%
-2.3% YoY
|
84.1%
+1.5% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.2%
-16.4% YoY-17.5% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.5%
-30.0% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
67.6%
-5.5% YoY-6.4% QoQ
|
+7.0% |
60.6%
-3.1% YoY
|
78.0%
+0.8% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$6,233
-3.1% YoY-3.1% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$26,466
+8.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.4% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 27.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)