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
- ROA 78/100
- ASSETS 18.9%
- MEM 0.30%
- RANK -0.18%
- PHOTO $79.5M
- BOOK 3,120
- CHARTER #2,935/4,374
- NCUSIF KAHULUI
- CAMELS 60780
Call Report peers
Cranston Municipal Employees in the assets neighbourhood
Cranston Municipal Employees's $79.5M assets sit next to KAHULUI ($79.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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 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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for RI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Cranston Municipal Employees's 5300 filing moved
Cranston Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $79.5M (2025Q4) to $78.6M (2026Q1).
- Net-worth ratio shifted +0.00 pp (18.94% → 18.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cranston Municipal Employees's nationwide photo peers by assets and by health score, excluding Rhode Island charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($79.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Rhode Island credit unions compare overall before assuming this one is typical. Rhode Island state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,935 of 4,374; by total assets it ranks #2,022 of 4,374 nationally (same basis as /rankings/largest); and #9 of 14 within Rhode Island. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.94% 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 18.94% 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.
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.