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
- DELQ 79/100
- ROA 19.4%
- ASSETS 1.13%
- MEM 0.76%
- RANK $8.5M
- PHOTO 808
- BOOK #2,815/4,374
- CHARTER n/a
- NCUSIF 24486
Call Report peers
Cumberland Municipal Employees carries $8.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
79 33rd percentile higher than 33% 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
Cumberland Municipal Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24486: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for RI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Cumberland Municipal Employees Call Report trajectory
Cumberland Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.7% from $8.5M (2025Q4) to $9.1M (2026Q1).
- Net-worth ratio shifted -1.19 pp (20.57% → 19.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cumberland Municipal Employees's nationwide photo peers by assets and by health score, excluding Rhode Island charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- 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 Cumberland Municipal Employees financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - Cumberland Municipal Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,815 of 4,374; by total assets it ranks #3,641 of 4,374 nationally (same basis as /rankings/largest); and #12 of 14 within Rhode Island. Above 80 reads excellent, below 50 warrants closer monitoring; a 19.38% net worth ratio and 1.13% delinquency rate are the key drivers.
How does Cumberland Municipal Employees compare to other credit unions?
PlainCU's health composite puts Cumberland Municipal Employees at 79/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Cumberland 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. Cumberland Municipal Employees's net worth ratio of 19.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cumberland Municipal Employees offer compared to banks?
Credit unions like Cumberland 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 Cumberland 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.