BlastPoint's Credit Union Scorecard
CRANSTON MUNICIPAL EMPLOYEES
Charter #60780 · RI
CRANSTON MUNICIPAL EMPLOYEES has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 1.5% in tier
- + Average Member Relationship (AMR): Top 2.3% in tier
- + Total Loans: Top 5.4% in tier
- + Total Assets: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Efficiency ratio 30.99% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 6.1% in tier
- - Net Interest Margin (NIM): Bottom 7.8% 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 +2.7% year over year ($59.5M in shares and deposits).
- Membership: 3,162 members, +0.7% vs a year ago.
- Delinquency rate 0.21%.
- Return on assets 0.67%.
- Efficiency ratio 119.76% vs a 88.77% peer average.
- Loan-to-share ratio 82.63% 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 |
3,162
+0.7% YoY+0.1% QoQ
|
+576 |
2,585
-1.7% YoY
|
36,207
+1.5% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$79.8M
+0.7% YoY+1.5% QoQ
|
+$49.6M |
$30.3M
+1.5% YoY
|
$799.8M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
Top 7.8% in tier |
| Loans |
$49.2M
-1.9% YoY+0.0% QoQ
|
+$33.7M |
$15.5M
-1.7% YoY
|
$674.3M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Top 5.5% in tier |
| Deposits |
$59.5M
+2.7% YoY+2.1% QoQ
|
+$33.7M |
$25.8M
+1.1% YoY
|
$660.1M
+3.9% YoY
|
$504.8M
+10.3% YoY
|
Top 12.6% in tier |
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| ROA |
0.7%
-393.4% YoY-179.2% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
0.6%
+34.2% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
2.6%
+2.6% YoY+2.5% QoQ
|
-1.3% |
3.9%
+0.9% YoY
|
3.1%
+8.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 7.8% in tier |
| Efficiency Ratio |
119.8%
+15.3% YoY-6.1% QoQ
|
+31.0% |
88.8%
-6.9% YoY
|
83.1%
-1.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.1% in tier |
| Delinquency Rate |
0.2%
-10.4% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
0.6%
-10.1% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
82.6%
-4.5% YoY-2.0% QoQ
|
+23.7% |
58.9%
-3.1% YoY
|
77.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$34,387
-0.2% YoY+1.1% QoQ
|
+$19K |
$14,963
-6.8% YoY
|
$27,022
+3.9% YoY
|
$20,028
-0.9% YoY
|
Top 2.4% in tier |
| CD Concentration |
35.3%
-7.3% YoY-4.7% QoQ
|
+10.7% | 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)