BlastPoint's Credit Union Scorecard
CUMBERLAND MUNICIPAL EMPLOYEES
Charter #24486 · RI
CUMBERLAND MUNICIPAL EMPLOYEES has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Efficiency ratio 2.18% above tier (higher cost structure)
- - Member decline: -2.8% YoY
- - Share Certificate Concentration (%): Bottom 1.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
808
-2.8% YoY+0.7% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
35,881
+9.1% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$8.5M
-1.7% YoY+1.2% QoQ
|
$-21.6M |
$30.1M
+2.1% YoY
|
$774.2M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
29% |
| Loans |
$3.4M
-4.8% YoY-4.0% QoQ
|
$-12.4M |
$15.8M
-1.3% YoY
|
$651.4M
+11.4% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$6.7M
-2.5% YoY+1.4% QoQ
|
$-19.0M |
$25.7M
+1.4% YoY
|
$643.2M
+11.9% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
0.5%
-32.3% YoY-21.0% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.5%
-9.1% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
3.2%
-4.5% YoY+1.4% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.0%
+1.1% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
84.7%
+12.4% YoY+3.0% QoQ
|
+2.2% |
82.6%
-2.3% YoY
|
84.1%
+1.5% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
1.1%
+19.1% YoY+729.8% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
0.5%
-30.0% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
50.1%
-2.4% YoY-5.3% QoQ
|
-10.5% |
60.6%
-3.1% YoY
|
78.0%
+0.8% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$12,423
-0.6% YoY-1.2% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$26,466
+8.1% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
60.5%
-0.5% YoY-0.6% QoQ
|
+36.0% | 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)