BlastPoint's Credit Union Scorecard
CRANSTON MUNICIPAL EMPLOYEES
Charter #60780 · RI
2596 CUs in <100M nationally
6 in RI
CRANSTON MUNICIPAL EMPLOYEES has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.7% in tier
- + Average Member Relationship (AMR): Top 2.1% in tier
- + Total Loans: Top 5.8% in tier
- + Total Assets: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.04% below tier average
- - Efficiency ratio 25.03% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 7.4% in tier
- - Net Interest Margin (NIM): Bottom 8.2% in tier
- - Share Certificate Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,147
-1.2% YoY+0.2% QoQ
|
+521 |
2,625
-2.2% YoY
|
35,904
+9.4% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$78.7M
-2.4% YoY-0.8% QoQ
|
+$48.9M |
$29.9M
+1.1% YoY
|
$771.6M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Top 8.1% in tier |
| Loans |
$49.1M
-8.0% YoY-2.1% QoQ
|
+$33.4M |
$15.8M
-2.4% YoY
|
$651.4M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
Top 5.9% in tier |
| Deposits |
$57.8M
-2.8% YoY-0.3% QoQ
|
+$32.3M |
$25.5M
+0.4% YoY
|
$641.8M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Top 13.1% in tier |
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| ROA |
-0.4%
+25.4% YoY+56.9% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.5%
-21.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.1% in tier |
| NIM |
2.5%
+23.9% YoY+1.5% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
2.9%
+1.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.2% in tier |
| Efficiency Ratio |
106.4%
-4.1% YoY+2.4% QoQ
|
+25.0% |
81.4%
-2.4% YoY
|
83.0%
+4.4% YoY
|
79.1%
-3.3% YoY
|
Top 7.6% in tier |
| Delinquency Rate |
0.2%
+129.8% YoY+509.7% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.5%
-36.2% YoY
|
1.2%
-0.9% YoY
|
26% |
| Loan To Share |
85.0%
-5.3% YoY-1.7% QoQ
|
+23.8% |
61.2%
-3.0% YoY
|
78.6%
+0.3% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$33,977
-4.1% YoY-1.3% QoQ
|
+$19K |
$14,627
-2.7% YoY
|
$26,126
+7.2% YoY
|
$19,418
+1.3% YoY
|
Top 2.1% in tier |
| CD Concentration |
37.8%
+4.9% YoY-0.9% QoQ
|
+13.4% |
24.4%
+4.2% YoY
|
27.4%
+6.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.6%
+7.4% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
44
Loan-to-Member Ratio (LMR)
engagement
Value:
$15,615
Peer Avg: -
#44 of 2596
Top 1.7% in <100M tier
55
Average Member Relationship (AMR)
engagement
Value:
$33,977
Peer Avg: -
#55 of 2596
Top 2.1% in <100M tier
152
Total Loans
balance_sheet
Value:
$49.14M
Peer Avg: -
#152 of 2596
Top 5.8% in <100M tier
210
Total Assets
balance_sheet
Value:
$78.71M
Peer Avg: -
#210 of 2596
Top 8.1% in <100M tier
341
Total Deposits
balance_sheet
Value:
$57.79M
Peer Avg: -
#341 of 2596
Top 13.1% in <100M tier
425
Loan-to-Share Ratio
balance_sheet
Value:
85.04%
Peer Avg: -
#425 of 2596
Top 16.3% in <100M tier
625
Net Worth Ratio
risk
Value:
19.34%
Peer Avg: -
#625 of 2596
Top 24.0% in <100M tier
Top Weaknesses (8 metrics)
2406
First Mortgage Concentration (%)
balance_sheet
Value:
50.81%
Peer Avg: -
#2406 of 2596
Bottom 7.4% in <100M tier
2400
Efficiency Ratio
profitability
Value:
106.42%
Peer Avg: -
#2400 of 2596
Bottom 7.6% in <100M tier
2384
Net Interest Margin (NIM)
profitability
Value:
2.54%
Peer Avg: -
#2384 of 2596
Bottom 8.2% in <100M tier
2362
Share Certificate Concentration (%)
balance_sheet
Value:
37.77%
Peer Avg: -
#2362 of 2596
Bottom 9.1% in <100M tier
2333
Return on Assets (ROA)
profitability
Value:
-0.36%
Peer Avg: -
#2333 of 2596
Bottom 10.2% in <100M tier
2078
AMR Growth Rate
growth
Value:
-4.10%
Peer Avg: -
#2078 of 2596
Bottom 20.0% in <100M tier
1967
Members Per Employee (MPE)
engagement
Value:
242.077
Peer Avg: -
#1967 of 2596
Bottom 24.3% in <100M tier
1954
Asset Growth Rate
growth
Value:
-2.42%
Peer Avg: -
#1954 of 2596
Bottom 24.8% in <100M tier