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 0.15% above tier average
- + Net Interest Margin 0.30% 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 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,374
+1.0% YoY+0.1% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
35,904
+9.4% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$5.9M
+0.1% YoY-2.8% QoQ
|
$-23.9M |
$29.9M
+1.1% YoY
|
$771.6M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$3.7M
-0.9% YoY-4.1% QoQ
|
$-12.1M |
$15.8M
-2.4% YoY
|
$651.4M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$5.1M
-1.5% YoY-3.4% QoQ
|
$-20.3M |
$25.5M
+0.4% YoY
|
$641.8M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
24% |
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| ROA |
0.8%
+20.4% YoY-1.8% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.5%
-21.3% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
4.2%
+8.1% YoY+1.5% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
2.9%
+1.1% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
81.0%
-2.5% YoY+0.8% QoQ
|
-0.4% |
81.4%
-2.4% YoY
|
83.0%
+4.4% YoY
|
79.1%
-3.3% YoY
|
56% |
| Delinquency Rate |
0.3%
+166.6% YoY+24.3% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
0.5%
-36.2% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
72.2%
+0.6% YoY-0.7% QoQ
|
+11.0% |
61.2%
-3.0% YoY
|
78.6%
+0.3% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$6,429
-2.2% YoY-3.8% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$26,126
+7.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
27.4%
+6.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.6%
+7.4% YoY
|
7.9%
-2.9% YoY
|
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)