Federal credit union · PAWTUCKET, Rhode Island · NCUA charter #16016
Pawtucket Municipal Employees
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $5.9M
- Total assets
- 1,375
- Members
- 13.7%
- Net-worth ratio
Pawtucket Municipal Employees scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.9M; members 1,375; net-worth ratio 13.74%; health rank #478 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#478 of 4,374 health · 2025Q4Pawtucket Municipal · health 94/100 · $5.9M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Pawtucket Municipal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Pawtucket Municipal Employees sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Pawtucket Municipal Employees
- Loan-to-Share Ratio leads the peer set - 67.58% here, 63.60% peer average (+3.98 pp).
- Net Worth Ratio trails the peer set - 13.74% here, 19.06% peer average (-5.32 pp).
Pawtucket Municipal Employees in Rhode Island
- In Rhode Island, health place is #2 of 14 on the same NCUA-ratio sort used nationally.
- Assets rank #13 of 14 inside Rhode Island ($5.9M reported).
- Membership ranks #12 of 14 among Rhode Island CUs with a reported count (1,375 members).
- One place up in Rhode Island, Rhode Island (#1) scores 95/100, 1 point higher; one place down, NAVIGANT (#3) ties at 94/100.
Quarter path for Pawtucket Municipal Employees
Pawtucket Municipal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $5.9M (2025Q4) to $6.0M (2026Q1).
- Net-worth ratio shifted +0.55 pp (13.19% → 13.74%).
At 13.74%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Pawtucket Municipal Employees gives up 6 points in total. Member Growth costs the most, 5.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 14.3 pts
Pawtucket Municipal health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.74% | -5.32 pp |
| Delinquency Rate | 0.22% | -1.59 pp |
| Return on Assets | 1.10% | +0.65 pp |
| Member Growth | 0.59% | - |
| Loan-to-Share Ratio | 67.58% | +3.98 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Pawtucket Municipal Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.0M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Pawtucket Municipal Employees.
| Office | City |
|---|---|
| Pawtucket Municipal Employees Federal Credit Union (Main Office) | Pawtucket, RI |
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.
- CUMBERLAND MUNICIPAL EMPLOYEESCumberland, RI · $2M–$10M79Health
- 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
Cross-state Call Report peers for Pawtucket Municipal
Similar health score
Using this data
- Pawtucket Municipal Employees ranks #478 of 4,374 nationally on financial health and #2 of 14 in RI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cumberland Municipal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cumberland Municipal Employees
Frequently Asked Questions
Is Pawtucket Municipal Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Pawtucket Municipal Employees scores 94/100 (Excellent), with a 13.74% net worth ratio and 0.22% of loans delinquent. It ranks #478 of 4,374 nationally on health and #2 of 14 in Rhode Island.
How does Pawtucket Municipal Employees compare to other credit unions?
Pawtucket Municipal Employees scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (67.58% vs 63.60%). Its widest shortfall is net worth ratio (13.74% vs 19.06%).
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?
Pawtucket 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. Pawtucket Municipal Employees's net worth ratio of 13.74% 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.