Cumberland, Rhode Island · Peer group 2
Cumberland Municipal Employees Credit Union
Cumberland Municipal Employees Credit Union holds $9.1M in assets across 814 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1962. Charter number 24486, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $9.1M |
|---|---|
| Total loans | $3.4M |
| Total shares (deposits) | $7.2M |
| Net worth | $1.8M |
| Members | 814 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.1% | |
|---|---|---|
| Loans | -3.2% | around the 58th percentile of its peer group |
| Deposits | 5.0% | around the 81st percentile of its peer group |
| Members | -3.1% | around the 35th 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 | 46.9% | around the 32nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 19.4% | around the 59th percentile of its peer group |
| Return on assets | 0.38% | around the 48th percentile of its peer group |
| Delinquency ratio | 0.12% | around the 28th percentile of its peer group |
| Cash / assets | 7.8% | around the 18th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Cumberland 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.
- Pawtucket Municipal Employees Credit Union
PAWTUCKET, RI
$6.0M · 1,372 members
- Natco Employees Credit Union
WEST WARWICK, RI
$201K · 29 members
- Community & Teachers Credit Union
East Providence, RI
$30.8M · 1,541 members
- Blackstone River Credit Union
Woonsocket, RI
$75.3M · 4,290 members
- Cranston Municipal Employees Credit Union
CRANSTON, RI
$78.6M · 3,159 members
- Wave Credit Union
WARWICK, RI
$155.0M · 6,872 members
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