BlastPoint's Credit Union Scorecard
PAWTUCKET MUNICIPAL EMPLOYEES
Charter #16016 · RI
PAWTUCKET MUNICIPAL EMPLOYEES has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.42% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,372
+0.1% YoY-0.2% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
36,204
+9.0% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$6.0M
-3.1% YoY+1.1% QoQ
|
$-24.2M |
$30.2M
+1.3% YoY
|
$787.6M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$3.8M
+1.4% YoY+8.8% QoQ
|
$-11.5M |
$15.3M
-2.0% YoY
|
$657.2M
+10.2% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$5.1M
-4.7% YoY+0.5% QoQ
|
$-20.6M |
$25.8M
+0.7% YoY
|
$658.7M
+12.2% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
0.1%
-72.7% YoY-89.5% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.4%
+126.0% YoY
|
0.4%
-39.2% YoY
|
27% |
| NIM |
3.6%
-7.2% YoY-27.3% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.0%
+2.3% YoY
|
3.8%
+4.1% YoY
|
38% |
| Efficiency Ratio |
96.0%
+10.9% YoY+32.5% QoQ
|
+5.4% |
90.6%
+6.5% YoY
|
87.4%
-0.7% YoY
|
84.6%
+2.8% YoY
|
80% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
0.4%
-7.6% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
73.2%
+6.5% YoY+8.3% QoQ
|
+14.7% |
58.5%
-3.0% YoY
|
77.1%
+1.0% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$6,485
-2.3% YoY+4.0% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$26,738
+8.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 13.4% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 27.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.6% | 7.7% | 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)