BlastPoint's Credit Union Scorecard
CUMBERLAND MUNICIPAL EMPLOYEES
Charter #24486 · RI
CUMBERLAND MUNICIPAL EMPLOYEES has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.12% below tier average
- - Member decline: -8.4% YoY
- - Share Certificate Concentration (%): Bottom 1.4% in tier
- - Member Growth Rate: Bottom 8.1% in tier
- - Fee Income Per Member: Bottom 9.9% in tier
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 +6.5% year over year ($7.3M in shares and deposits).
- Membership: 770 members, -8.4% vs a year ago.
- Delinquency rate 0.95%.
- Return on assets 0.37%.
- Efficiency ratio 87.37% vs a 88.77% peer average.
- Loan-to-share ratio 44.22% 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 |
770
-8.4% YoY-5.4% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
36,207
+1.5% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$9.2M
+5.3% YoY+1.1% QoQ
|
$-21.1M |
$30.3M
+1.5% YoY
|
$799.8M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$3.2M
-5.8% YoY-4.3% QoQ
|
$-12.2M |
$15.5M
-1.7% YoY
|
$674.3M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$7.3M
+6.5% YoY+1.4% QoQ
|
$-18.5M |
$25.8M
+1.1% YoY
|
$660.1M
+3.9% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
0.4%
-42.6% YoY-3.2% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.6%
+34.2% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
2.9%
-4.7% YoY-0.9% QoQ
|
-1.0% |
3.9%
+0.9% YoY
|
3.1%
+8.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 14.2% in tier |
| Efficiency Ratio |
87.4%
+4.6% YoY+0.3% QoQ
|
-1.4% |
88.8%
-6.9% YoY
|
83.1%
-1.8% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
1.0%
+68.4% YoY+727.1% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
0.6%
-10.1% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
44.2%
-11.5% YoY-5.6% QoQ
|
-14.7% |
58.9%
-3.1% YoY
|
77.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$13,716
+11.8% YoY+5.3% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$27,022
+3.9% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
60.2%
+2.2% YoY-1.8% QoQ
|
+35.7% | 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)