Federal credit union · PAWTUCKET, Rhode Island · NCUA charter #16016
Pawtucket Municipal Employees
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $5.9M
- Total assets
- 1,375
- Members
- 1.7%
- Net-worth ratio
Pawtucket Municipal Employees - Share Insurance Coverage
Charter #16016's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Pawtucket Municipal Employees - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)14
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth65
- Liquidity (loan-to-share)96
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 1.65%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 1.65% | 30% |
| Delinquency Rate | 0.22% | 25% |
| Return on Assets | 1.10% | 15% |
| Member Growth | 0.59% | 15% |
| Loan-to-Share Ratio | 67.58% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.9M | 1,375 |
| 2024Q4 | $5.9M | 1,367 |
| 2023Q4 | $5.9M | 1,337 |
Credit Union Details
- Charter Number
- 16016
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Rhode Island
- City
- PAWTUCKET
- Data Quarter
- 2025Q4
What This Data Says About Pawtucket Municipal Employees
The five-factor composite scores Pawtucket Municipal Employees at 68/100 (Good), reflecting a net worth ratio of 1.65% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in PAWTUCKET, Rhode Island, reports 1,375 members, $5.9M in total assets, and $3.5M in outstanding loans as of Q4 2025 under charter #16016 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.22% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 67.58% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.10% on net income of $65K 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 0.59%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Rhode Island
Other federally-insured credit unions in Rhode Island, closest first by peer group and asset size.
- CUMBERLAND MUNICIPAL EMPLOYEESCumberland, RI · $2M–$10M60Health
- NATCO EMPLOYEESWEST WARWICK, RI · Under $2M85Health
- COMMUNITY & TEACHERSEast Providence, RI · $10M–$50M85Health
- BLACKSTONE RIVERWoonsocket, RI · $50M–$100M83Health
- CRANSTON MUNICIPAL EMPLOYEESCRANSTON, RI · $50M–$100M78Health
Compare Pawtucket Municipal Employees vs CUMBERLAND MUNICIPAL EMPLOYEES
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 Pawtucket Municipal Employees financially healthy?
A 1.65% net worth ratio and a 0.22% delinquency rate feed into Pawtucket Municipal Employees's financial health score of 68/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Pawtucket Municipal Employees compare to other credit unions?
68/100 is Pawtucket Municipal Employees's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Pawtucket Municipal Employees?
Pawtucket 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 Pawtucket Municipal Employees directly for the current list of qualifying groups.
Is my money safe at Pawtucket Municipal Employees?
Federal credit unions like Pawtucket 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. Pawtucket Municipal Employees's net worth ratio of 1.65% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Pawtucket Municipal Employees offer compared to banks?
Credit unions like Pawtucket 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 Pawtucket 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.