Cranston, Rhode Island · Peer group 4
Cranston Municipal Employees Credit Union
Cranston Municipal Employees Credit Union holds $78.6M in assets across 3,159 members as of Q1 2026 — about $25K of assets per member, on a charter dating to 1946. Charter number 60780, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $78.6M |
|---|---|
| Total loans | $49.2M |
| Total shares (deposits) | $58.3M |
| Net worth | $14.9M |
| Members | 3,159 |
| Assets per member | $25K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.3% | |
|---|---|---|
| Loans | -3.6% | around the 32nd percentile of its peer group |
| Deposits | -0.3% | around the 32nd percentile of its peer group |
| Members | 1.0% | around the 78th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 84.4% | around the 88th percentile of its peer group |
|---|---|---|
| Net worth ratio | 18.9% | around the 87th percentile of its peer group |
| Return on assets | -0.85% | lower than 97% of its peer group |
| Delinquency ratio | 0.23% | around the 23rd percentile of its peer group |
| Cash / assets | 7.6% | around the 30th percentile of its peer group |
| Borrowings / assets | 9.5% | higher than 99% of its peer group |
What this page does not show
Everything above is Cranston Municipal Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Rhode Island — the comparison set a peer ratio is measured against.
- Blackstone River Credit Union
Woonsocket, RI
$75.3M · 4,290 members
- Community & Teachers Credit Union
East Providence, RI
$30.8M · 1,541 members
- Cumberland Municipal Employees Credit Union
Cumberland, RI
$9.1M · 814 members
- Pawtucket Municipal Employees Credit Union
PAWTUCKET, RI
$6.0M · 1,372 members
- Wave Credit Union
WARWICK, RI
$155.0M · 6,872 members
- Natco Employees Credit Union
WEST WARWICK, RI
$201K · 29 members
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