State credit union · CRANSTON, Rhode Island · NCUA charter #60780
Cranston Municipal Employees
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $79.5M
- Total assets
- 3,120
- Members
- 18.9%
- Net-worth ratio
Cranston Municipal Employees scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $79.5M; members 3,120; net-worth ratio 18.94%; health rank #2,935 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,935 of 4,374 health · 2025Q4Cranston Municipal Employees · health 78/100 · $79.5M · 2025Q4
Call Report peers
Cranston Municipal Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cranston Municipal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cranston Municipal Employees sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Cranston Municipal Employees vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 82.04% here, 62.60% peer average (+19.44 pp).
- Return on Assets trails the peer set - -0.18% here, 0.66% peer average (-0.84 pp).
Cranston Municipal Employees in Rhode Island
- In Rhode Island, health place is #13 of 14 on the same NCUA-ratio sort used nationally.
- Assets rank #9 of 14 inside Rhode Island ($79.5M reported).
- Rhode Island membership ordinal: #10 of 14.
- One place up in Rhode Island, The Peoples (#12) scores 79/100, 1 point higher; one place down, Ocean State (#14) scores 74/100, 4 points lower.
How Cranston Municipal Employees's 5300 filing moved
Cranston Municipal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $79.5M (2025Q4) to $78.6M (2026Q1).
- Net-worth ratio shifted +0.00 pp (18.94% → 18.94%).
At 18.94%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Cranston Municipal Employees gives up 22 points in total. Return on Assets costs the most, 12.2 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.8 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.94% | +5.32 pp |
| Delinquency Rate | 0.30% | -0.66 pp |
| Return on Assets | -0.18% | -0.84 pp |
| Member Growth | -2.07% | - |
| Loan-to-Share Ratio | 82.04% | +19.44 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Cranston Municipal Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $78.6M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Cranston Municipal Employees.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Cranston, RI |
| Oaklawn Branch | Cranston, RI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Cranston Municipal Employees ranks #2,935 of 4,374 nationally on financial health and #13 of 14 in RI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Blackstone River is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Blackstone River
Frequently Asked Questions
Is Cranston Municipal Employees financially healthy?
Cranston Municipal Employees has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,935 of 4,374 nationally on health and #13 of 14 in Rhode Island. Its net worth ratio is 18.94% and its delinquency rate 0.30%.
How does Cranston Municipal Employees compare to other credit unions?
Cranston Municipal Employees scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (82.04% vs 62.60%). Its widest shortfall is return on assets (-0.18% vs 0.66%).
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?
Cranston Municipal Employees is a state-chartered credit union; its shares are federally 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 18.94% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.