BlastPoint's Credit Union Scorecard
CRANSTON MUNICIPAL EMPLOYEES
Charter #60780 · RI
CRANSTON MUNICIPAL EMPLOYEES has 4 strengths but faces 5 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 2.2% in tier
- + Total Loans: Top 5.2% in tier
- + Total Assets: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.99% below tier average
- - Efficiency ratio 36.96% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 6.5% in tier
- - Net Interest Margin (NIM): Bottom 7.8% in tier
- - Share Certificate Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,159
+1.0% YoY+1.2% QoQ
|
+482 |
2,676
+1.6% YoY
|
36,204
+9.0% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$78.6M
-1.3% YoY-1.1% QoQ
|
+$48.5M |
$30.2M
+1.3% YoY
|
$787.6M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Top 8.1% in tier |
| Loans |
$49.2M
-3.6% YoY+1.7% QoQ
|
+$33.9M |
$15.3M
-2.0% YoY
|
$657.2M
+10.2% YoY
|
$402.4M
+8.7% YoY
|
Top 5.2% in tier |
| Deposits |
$58.3M
-0.3% YoY-1.1% QoQ
|
+$32.5M |
$25.8M
+0.7% YoY
|
$658.7M
+12.2% YoY
|
$494.3M
+9.1% YoY
|
Top 13.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.8%
-717.6% YoY+86.4% QoQ
|
-1.0% |
0.1%
-77.6% YoY
|
0.4%
+126.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.4% in tier |
| NIM |
2.5%
+1.2% YoY-0.8% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.0%
+2.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio |
127.6%
+36.1% YoY+17.4% QoQ
|
+37.0% |
90.6%
+6.5% YoY
|
87.4%
-0.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.9% in tier |
| Delinquency Rate |
0.2%
+201.1% YoY-24.6% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
0.4%
-7.6% YoY
|
1.2%
+3.4% YoY
|
30% |
| Loan To Share |
84.4%
-3.3% YoY+2.8% QoQ
|
+25.8% |
58.5%
-3.0% YoY
|
77.1%
+1.0% YoY
|
65.6%
-1.4% YoY
|
Top 13.6% in tier |
| AMR |
$34,022
-2.8% YoY-1.1% QoQ
|
+$19K |
$14,884
-1.7% YoY
|
$26,738
+8.0% YoY
|
$19,920
+1.6% YoY
|
Top 2.2% in tier |
| CD Concentration |
37.0%
-5.7% YoY-2.5% QoQ
|
+12.8% | 24.3% | 27.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)