State credit union · CRANSTON, Rhode Island · NCUA charter #60780
Cranston Municipal Employees
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $79.5M
- Total assets
- 3,120
- Members
- 15.5%
- Net-worth ratio
Cranston Municipal Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60780: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Cranston Municipal Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)19
- Member growth35
- Liquidity (loan-to-share)100
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 15.50%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.50% | 30% |
| Delinquency Rate | 0.30% | 25% |
| Return on Assets | -0.18% | 15% |
| Member Growth | -2.07% | 15% |
| Loan-to-Share Ratio | 82.04% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $79.5M | 3,120 |
| 2024Q4 | $80.6M | 3,186 |
| 2023Q4 | $83.6M | 3,057 |
Credit Union Details
- Charter Number
- 60780
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Rhode Island
- City
- CRANSTON
- Data Quarter
- 2025Q4
What This Data Says About Cranston Municipal Employees
The five-factor composite scores Cranston Municipal Employees at 78/100 (Very Good), reflecting a net worth ratio of 15.50% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in CRANSTON, Rhode Island, reports 3,120 members, $79.5M in total assets, and $48.4M in outstanding loans as of Q4 2025 under charter #60780 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.30% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. The loan-to-share ratio of 82.04% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.18% on net income of $-146814 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.07%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Rhode Island
A look at other Rhode Island credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Cranston Municipal Employees financially healthy?
Cranston Municipal Employees has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.50% and delinquency rate of 0.30%.
How does Cranston Municipal Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Cranston Municipal Employees's 78/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Cranston Municipal Employees?
Membership eligibility for Cranston Municipal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Cranston Municipal Employees directly for current membership requirements and application steps.
Is my money safe at Cranston Municipal Employees?
Federal credit unions like Cranston Municipal Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Cranston Municipal Employees's net worth ratio of 15.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cranston Municipal Employees offer compared to banks?
Credit unions like Cranston Municipal Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Cranston Municipal Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.