CUMBERLAND MUNICIPAL EMPLOYEES
Charter #24486 · Cumberland, RI · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 814 sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 3.02% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.84% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.03% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 41st — a 53-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 | CUMBERLAND MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.06M | 94th pct | 41th pct |
| Members | 814 | 72th pct | 25th pct |
| Net worth ratio | 19.38% | 57th pct | 66th pct |
| Return on average assets | 0.39% | 50th pct | 31th pct |
| Net interest margin | 3.02% | 22th pct | 23th pct |
| Cost of funds | 1.84% | 86th pct | 79th pct |
| Loan-to-share | 46.87% | 37th pct | 36th pct |
| Delinquency 60+ days | 0.12% | 31th pct | 36th pct |
| Net charge-off ratio | -0.03% | 18th pct | 15th pct |
| Loan growth YoY | -3.07% | 60th pct | 56th pct |
| Share growth YoY | 9.53% | 93th pct | 92th pct |
| Efficiency ratio | 87.09% | 52th pct | 70th pct |
structural peer set hash: 4c3621967b1aa1f6a366184f5cfa75de… (reproducible)
Closest structural peers
This is the free public view
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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.