BlastPoint's Credit Union Scorecard
CRANSTON MUNICIPAL EMPLOYEES
Charter #60780 · RI
CRANSTON MUNICIPAL EMPLOYEES has 5 strengths but faces 6 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 1.6% in tier
- + Average Member Relationship (AMR): Top 2.2% in tier
- + Total Loans: Top 6.4% in tier
- + Total Assets: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.08% below tier average
- - Efficiency ratio 26.08% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - First Mortgage Concentration (%): Bottom 5.4% in tier
- - Net Interest Margin (NIM): Bottom 8.4% in tier
- - Share Certificate Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,120
-2.1% YoY-0.9% QoQ
|
+504 |
2,615
-1.9% YoY
|
35,881
+9.1% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$79.5M
-1.4% YoY+1.0% QoQ
|
+$49.4M |
$30.1M
+2.1% YoY
|
$774.2M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Top 8.0% in tier |
| Loans |
$48.4M
-7.1% YoY-1.6% QoQ
|
+$32.6M |
$15.8M
-1.3% YoY
|
$651.4M
+11.4% YoY
|
$397.0M
+8.8% YoY
|
Top 6.5% in tier |
| Deposits |
$59.0M
-2.2% YoY+2.0% QoQ
|
+$33.3M |
$25.7M
+1.4% YoY
|
$643.2M
+11.9% YoY
|
$477.3M
+9.7% YoY
|
Top 13.0% in tier |
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| ROA |
-0.5%
+149.9% YoY+26.6% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.5%
-9.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.6% in tier |
| NIM |
2.5%
+18.2% YoY-0.5% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.0%
+1.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.4% in tier |
| Efficiency Ratio |
108.6%
+2.0% YoY+2.1% QoQ
|
+26.1% |
82.6%
-2.3% YoY
|
84.1%
+1.5% YoY
|
79.7%
-3.3% YoY
|
Top 6.9% in tier |
| Delinquency Rate |
0.3%
+423.0% YoY+66.5% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.5%
-30.0% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
82.0%
-5.0% YoY-3.5% QoQ
|
+21.4% |
60.6%
-3.1% YoY
|
78.0%
+0.8% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$34,404
-2.5% YoY+1.3% QoQ
|
+$20K |
$14,783
-1.4% YoY
|
$26,466
+8.1% YoY
|
$19,687
+2.0% YoY
|
Top 2.2% in tier |
| CD Concentration |
38.0%
+2.4% YoY+0.6% QoQ
|
+13.6% | 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)