BlastPoint's Credit Union Scorecard

CUMBERLAND MUNICIPAL EMPLOYEES

Charter #24486 · RI

<100M

2508 CUs in <100M nationally 6 in RI

CUMBERLAND MUNICIPAL EMPLOYEES has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

RI Analysis

How does RI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.23% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.1% YoY
- Share Certificate Concentration (%): Bottom 1.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Members	814 -3.1% YoY+0.7% QoQ	-1.9K	2,676 +1.6% YoY	36,204 +9.0% YoY	33,913 +5.7% YoY	24%
Assets	$9.1M +4.1% YoY+6.7% QoQ	$-21.1M	$30.2M +1.3% YoY	$787.6M +11.2% YoY	$578.3M +9.0% YoY	30%
Loans	$3.4M -3.2% YoY+1.0% QoQ	$-11.9M	$15.3M -2.0% YoY	$657.2M +10.2% YoY	$402.4M +8.7% YoY	26%
Deposits	$7.2M +5.0% YoY+8.0% QoQ	$-18.6M	$25.8M +0.7% YoY	$658.7M +12.2% YoY	$494.3M +9.1% YoY	29%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -49.3% YoY-24.8% QoQ	+0.2%	0.1% -77.6% YoY	0.4% +126.0% YoY	0.4% -39.2% YoY	39%
NIM	2.9% -1.6% YoY-8.4% QoQ	-1.1%	4.0% +4.0% YoY	3.0% +2.3% YoY	3.8% +4.1% YoY	16%
Efficiency Ratio	87.1% +3.4% YoY+2.8% QoQ	-3.5%	90.6% +6.5% YoY	87.4% -0.7% YoY	84.6% +2.8% YoY	63%
Delinquency Rate	0.1% -24.8% YoY-89.8% QoQ	-1.4	1.5% +3.8% YoY	0.4% -7.6% YoY	1.2% +3.4% YoY	23%
Loan To Share	46.9% -7.9% YoY-6.5% QoQ	-11.6%	58.5% -3.0% YoY	77.1% +1.0% YoY	65.6% -1.4% YoY	32%
AMR	$13,027 +5.5% YoY+4.9% QoQ	$-2K	$14,884 -1.7% YoY	$26,738 +8.0% YoY	$19,920 +1.6% YoY	45%
CD Concentration	61.4% +2.0% YoY+1.5% QoQ	+37.1%	24.3%	27.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

373

Net Charge-Off Rate

risk

Value: -0.03%

Peer Median: 0.07%

#373 of 2508 Top 14.8% in <100M tier

583

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: 0.65%

#583 of 2508 Top 23.2% in <100M tier

584

AMR Growth Rate

growth

Value: 5.52%

Peer Median: 1.27%

#584 of 2508 Top 23.2% in <100M tier

593

Deposit Growth Rate

growth

Value: 5.04%

Peer Median: 0.66%

#593 of 2508 Top 23.6% in <100M tier

603

Net Worth Ratio

risk

Value: 19.38%

Peer Median: 14.28%

#603 of 2508 Top 24.0% in <100M tier

Top Weaknesses (4 metrics)

2473

Share Certificate Concentration (%)

balance_sheet

Value: 61.37%

Peer Median: 12.45%

#2473 of 2508 Bottom 1.4% in <100M tier

2203

Fee Income Per Member

profitability

Value: $3.11

Peer Median: $60.42

#2203 of 2508 Bottom 12.2% in <100M tier

2106

Net Interest Margin (NIM)

profitability

Value: 2.92%

Peer Median: 3.83%

#2106 of 2508 Bottom 16.1% in <100M tier

1918

Total Members

engagement

Value: 814

Peer Median: 1,918

#1918 of 2508 Bottom 23.6% in <100M tier