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
- + Net Interest Margin 0.09% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.04% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 6 that size in Rhode Island.
- Shares and deposits +0.1% year over year ($5.3M in shares and deposits).
- Membership: 1,373 members, +0.0% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 0.46%.
- Efficiency ratio 88.78% vs a 88.77% peer average.
- Loan-to-share ratio 69.81% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,373
0% YoY+0.1% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
36,207
+1.5% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$6.2M
+0.9% YoY+3.1% QoQ
|
$-24.1M |
$30.3M
+1.5% YoY
|
$799.8M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
22% |
| Loans |
$3.7M
-3.9% YoY-1.3% QoQ
|
$-11.7M |
$15.5M
-1.7% YoY
|
$674.3M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$5.3M
+0.1% YoY+3.5% QoQ
|
$-20.5M |
$25.8M
+1.1% YoY
|
$660.1M
+3.9% YoY
|
$504.8M
+10.3% YoY
|
24% |
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| ROA |
0.5%
-45.9% YoY+216.8% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
0.6%
+34.2% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
4.0%
-4.5% YoY+11.9% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.1%
+8.2% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
88.8%
+10.5% YoY-7.6% QoQ
|
+0.0% |
88.8%
-6.9% YoY
|
83.1%
-1.8% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
0.6%
+178.1% YoY
|
-0.9 |
1.5%
+2.1% YoY
|
0.6%
-10.1% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
69.8%
-4.0% YoY-4.6% QoQ
|
+10.9% |
58.9%
-3.1% YoY
|
77.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$6,576
-1.6% YoY+1.4% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$27,022
+3.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.3% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)