Federal credit union · Cumberland, Rhode Island · NCUA charter #24486
Cumberland Municipal Employees
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $8.5M
- Total assets
- 808
- Members
- 19.4%
- Net-worth ratio
Cumberland Municipal Employees scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.5M; members 808; net-worth ratio 19.38%; health rank #2,815 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,815 of 4,374 health · 2025Q4Cumberland Municipal · health 79/100 · $8.5M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cumberland Municipal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cumberland Municipal Employees sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Cumberland Municipal Employees: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -0.68 pp (1.13% vs 1.81%).
- Loan-to-Share Ratio trails the peer set - 50.13% here, 63.60% peer average (-13.47 pp).
Cumberland Municipal Employees in Rhode Island
- Health composite ranks #11 of 14 among scored Rhode Island credit unions.
- Rhode Island assets place: #12 of 14.
- Rhode Island membership ordinal: #13 of 14.
- One place up in Rhode Island, Westerly Community (#10) scores 80/100, 1 point higher; one place down, The Peoples (#12) ties at 79/100.
Cumberland Municipal Employees Call Report trajectory
Cumberland Municipal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.7% from $8.5M (2025Q4) to $9.1M (2026Q1).
- Net-worth ratio shifted -1.19 pp (20.57% → 19.38%).
At 19.38%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Cumberland Municipal Employees gives up 21 points in total. Member Growth costs the most, 11 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.0 pts
- Loan-to-Share Ratio 11.0 pts
Cumberland Municipal Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.38% | +0.32 pp |
| Delinquency Rate | 1.13% | -0.68 pp |
| Return on Assets | 0.76% | +0.31 pp |
| Member Growth | -2.77% | - |
| Loan-to-Share Ratio | 50.13% | -13.47 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Cumberland Municipal filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.1M | - |
| 2025Q4 | $8.5M | 808 |
| 2024Q4 | $8.6M | 831 |
| 2023Q4 | $8.7M | 972 |
Credit Union Details
- Charter Number
- 24486
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Rhode Island
- City
- Cumberland
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Cumberland Municipal Employees runs 3 offices in 3 different cities across 3 states.
| Office | City |
|---|---|
| cumberland municipal employees federal credit union (Main Office) | Cumberland, RI |
| fiserv ONCU | Flint, MI |
| Location of Vital records | Salt Lake City, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Rhode Island
Other federally-insured credit unions in Rhode Island, closest first by peer group and asset size.
- PAWTUCKET MUNICIPAL EMPLOYEESPAWTUCKET, RI · $2M–$10M94Health
- NATCO EMPLOYEESWEST WARWICK, RI · Under $2M85Health
- COMMUNITY & TEACHERSEast Providence, RI · $10M–$50M85Health
- BLACKSTONE RIVERWoonsocket, RI · $50M–$100M83Health
- CRANSTON MUNICIPAL EMPLOYEESCRANSTON, RI · $50M–$100M78Health
Compare Cumberland Municipal Employees vs PAWTUCKET MUNICIPAL EMPLOYEES
Other-state peers near Cumberland Municipal Employees
Similar health score
Using this data
- Cumberland Municipal Employees ranks #2,815 of 4,374 nationally on financial health and #11 of 14 in RI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pawtucket Municipal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pawtucket Municipal Employees
Frequently Asked Questions
Is Cumberland Municipal Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Cumberland Municipal Employees scores 79/100 (Very Good), with a 19.38% net worth ratio and 1.13% of loans delinquent. It ranks #2,815 of 4,374 nationally on health and #11 of 14 in Rhode Island.
How does Cumberland Municipal Employees compare to other credit unions?
Cumberland Municipal Employees scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (1.13% vs 1.81%). Its widest shortfall is loan-to-share ratio (50.13% vs 63.60%).
How can I join Cumberland Municipal Employees?
Cumberland Municipal Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Cumberland Municipal Employees directly for the current list of qualifying groups.
Is my money safe at Cumberland Municipal Employees?
Cumberland Municipal Employees is a federal 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. Cumberland Municipal Employees's net worth ratio of 19.38% 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.