# CRANSTON MUNICIPAL EMPLOYEES
CRANSTON, RI · NCUA charter 60780 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cranston-municipal-employees-60780

Who the members are: state charter, organized 1946. 3,159 members of 1,114,521 potential (0.3% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *too clean*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $78.6M |
| Members | 3,159 (1.0% YoY) |
| Full-time staff | 12 |
| Net worth | $14.9M |
| Net worth ratio | 18.9% (p87 of band) |
| ROA (annualized) | -0.85% (p3 of band) |
| Total delinquency | 0.23% (p23 of band) |
| Net charge-offs (annualized) | 0.11% (p34 of band) |
| Loans / shares | 84% (p88 of band) |
| Cash / assets | 7.6% |
| Borrowings / assets | 9.54% |
| Net interest margin | 2.51% (p5 of band) |
| Operating expense / assets | 3.39% (p44 of band) |
| Vehicles % of loans | 22% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 14% (p66 of band) |
| Vehicle delinquency | 0.12% (p18 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 72% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 37% |
| Average share balance | $9,541 |
| Participations bought / yr | $8.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $2.1M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $33,823 |
| Loans granted, annualized | $13.1M |

## Participation posture (from the same filings)

Bought $8.3M and sold $0 in the latest annualized quarter; $2.1M outstanding purchased (14.0% of net worth), $50,337 sold and retained. Sold in 3 and bought in 1 of the last 8 quarters. Shares -0.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, delinquency rising |  |
| 2017-06 | 0 |  | net worth falling, delinquency rising |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | losing money, margin squeeze |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 3 | delinquency rising, members leaving | losing money |
| 2021-03 | 0 |  | margin squeeze, delinquency rising, members leaving |
| 2021-06 | 1 | delinquency rising |  |
| 2021-09 | 0 |  | delinquency rising |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | losing money |  |
| 2022-06 | 2 | net worth falling |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | losing money |
| 2023-06 | 2 | leaning on borrowings | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | margin squeeze |  |
| 2024-03 | 4 | losing money, delinquency rising | net worth falling |
| 2024-06 | 3 |  | margin squeeze |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | assets shrinking |  |
| 2025-03 | 2 | members leaving | losing money, delinquency rising, assets shrinking |
| 2025-06 | 2 | losing money | members leaving |
| 2025-09 | 4 | net worth falling, delinquency rising |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-13 [Gloria N. "Ferri" McHugh Obituary (2026) - Cranston, RI - Woodlawn Funeral Home - Cranston - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNdHFsdHVQN0ZhQ3B0MTFHNHpHMmpPbjJwS1FKRVoyYVRleXBNVDJlNWtFTHNFaXFWRURpRHc0UTYyRXFjbVlZR3FQZlBScXNsSXJHMTVHNFJJM1JBcHY3QlcyZ0huXzNVbXdNNk1jelNqd080NjM5Z25TdjZmQWg5d1lR?oc=5) · legacy.com
- 2025-07-15 [CME Credit Union moves to broaden its base - cranstononline.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxObWhLNDVNemthZTdJV1BIck9zZkJ0LVNSejRDR0J4eU5UN0RsSzNWblRhR3pWN3I3VE9XQ1R5Mk1fNkE5SWNZOXZvNTFoSjd4WUEwTTIxQktENFlVd3ZRMm1FdnlTWVJtRXgzTzFzbTYyaFRaTWo1NXJHOWxJQXFENkZkUDRCRXNoSFpGVlc2YWRoY3hSSDVWOTRrcnFMcXgwR1lSUUx3Rlc5NFJBblNaaWg2bUJZMEE3SmdrNTE2VnhZRTVlUHoxYmZ6ZHE4SzQzRVlr?oc=5) · cranstononline.com
- 2024-06-26 [LT. JAMES A. PAGANO, CFD Obituary May 18, 2008 - Nardolillo Funeral Home](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBHRjBNUzg5ZXV5YlBONHRod0ZNY0dvRGFjSUx0eGhocTlkRWM3aVRHNzEzWWdDdWNkWDFYdEU3cVQya0tLVGVsQ2lmVHVmQVo0TmRkdkw0V1hlUQ?oc=5) · Nardolillo Funeral Home
- 2024-06-30 [Chet A. Brousseau Obituary Aug 15, 2014 - Nardolillo Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE4yOTcweDlWelRrWkZSTnVRWEN1UEh4YU9fcnRhWWJDMGVsS2ozeTQ5clZZaldFd3U1UWl6a3FhakllaFlERExvbXlqOV9YamZEcXVfdEV3ODBmYWJDbXRFcUNJeFc?oc=5) · Nardolillo Funeral Home
- 2013-03-18 [Obituary: John F. Carbone, 61 - Patch](https://news.google.com/rss/articles/CBMidEFVX3lxTE9hMUZHSk9lNmVnOWZMOUZMS2xlemZyZTk3c0J3LUxJek94ejBDZUFRZ0FMbkkwNmpZc0ZWOW1JeEkyU1FhQ1M1STNYa0dveElueDlSRkdFbHQ2bDBWaWJOS2VfOUxWYkRUaGtTLTlHZkNwOGJP?oc=5) · Patch
- 2024-06-19 [Gloria S. Lennon Obituary (2024) - Cranston, RI - Woodlawn Funeral Home - Cranston - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxONVg0TzFnUFQtRHlhOXQ0NElPcUhRVG1Va0NOeFRQMTBWSnBhUGNZdkFLd294R0oxbzlVM2hsMF9rRnVzSkpsQVNSLVJCc3RGYXhORlBFbFRLVE9JTldJNC1TTW1OZG9tc01oLVBfZ0lMYXFPU2RxT2JKYV9kN1BRb1lB?oc=5) · legacy.com
- 2024-04-30 [Gloria F. (Ferri) Aubin Obituary Sep 2, 2023 - Nardolillo Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTFB2WF9MM2xQTmdYVlNzX1JpS0hQTmVaejRBZUwwejZpMnQxTF8ySlRXMnZJbnlnS25qSUM5LWo0OW5OVjZTNGRMX3VicTZTYkdwUlNLSzZ0djA5Q05yLV9lYzB3?oc=5) · Nardolillo Funeral Home
- 2017-11-27 [Mary Gliottone Obituary (2017) - Cranston, RI - The Providence Journal - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQaF9EbUNld2VKZGk3SXVsaGxCNTlfMlZmMEhaQ3lkaGtIRjlaaG1fallFV3RlMHd6RnQ3aVhTVFcteV8xUjRqYVlKMGJ5VkRzZC1hb0g0cERVWE5XUVJnaDN6eEpDNlRBNnZMeXd5UmVxZEREdE52NzVxNVY0cWU2MzRqMWl3bGRjN01oNmY4V28xUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60780 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/44.json (key "60780", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=60780
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide