PAWTUCKET MUNICIPAL EMPLOYEES
Charter #16016 · PAWTUCKET, RI · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,372 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.22% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 96.05% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 41st — a 30-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PAWTUCKET MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.97M | 71th pct | 41th pct |
| Members | 1,372 | 91th pct | 80th pct |
| Net worth ratio | 13.74% | 31th pct | 48th pct |
| Return on average assets | 0.14% | 38th pct | 30th pct |
| Net interest margin | 3.58% | 36th pct | 33th pct |
| Cost of funds | 0.22% | 31th pct | 18th pct |
| Loan-to-share | 73.18% | 67th pct | 61th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 31th pct |
| Loan growth YoY | 1.51% | 79th pct | 70th pct |
| Share growth YoY | 0.14% | 51th pct | 31th pct |
| Efficiency ratio | 96.05% | 67th pct | 75th pct |
structural peer set hash: 3997a8b268af6f5e1dd29af6db1eb8c6… (reproducible)
Closest structural peers
This is the free public view
Claim PAWTUCKET MUNICIPAL EMPLOYEES
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.