CRANSTON MUNICIPAL EMPLOYEES
Charter #60780 · CRANSTON, RI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.94% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.84% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.49% sits at the 7th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.23% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 127.59% sits at the 98th percentile of structural peers — worth a closer look.
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 | CRANSTON MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $78.65M | 65th pct | 57th pct |
| Members | 3,159 | 12th pct | 26th pct |
| Net worth ratio | 18.94% | 87th pct | 79th pct |
| Return on average assets | -0.84% | 3th pct | 3th pct |
| Net interest margin | 2.49% | 5th pct | 7th pct |
| Cost of funds | 0.56% | 26th pct | 26th pct |
| Loan-to-share | 84.36% | 88th pct | 54th pct |
| Delinquency 60+ days | 0.23% | 23th pct | 25th pct |
| Net charge-off ratio | 0.11% | 34th pct | 44th pct |
| Loan growth YoY | 0.08% | 65th pct | 52th pct |
| Share growth YoY | 0.89% | 26th pct | 33th pct |
| Efficiency ratio | 127.59% | 100th pct | 98th pct |
structural peer set hash: 221ecf7baadb3ccd26f36359ebb8ca0e… (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.