Side-by-side · Q2 2026 data
Cumberland Municipal Employees Federal Credit Union vs Ocean State Credit Union
Credit union
Cumberland Municipal Employees Federal Credit Union
Cumberland, Rhode Island · Under $100 million in assets
Metric by metric
| Measure | Cumberland Municipal Employees Federal Credit Union | Ocean State Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 53 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 68 (stronger) | 48 |
| Earnings | 35 (stronger) | 22 |
| Funding & liquidity | 96 (stronger) | 63 |
| Problem-loan coverage | 97 (stronger) | 79 |
| Peer percentile | 59th | 9th |
| Total assets | $9.2M | $350.7M |
| Deposits / shares | $7.3M | $283.8M |
| Capital ratio | 19.26% (stronger) | 11.37% |
| Problem loans | 0.95% (stronger) | 1.55% |
| Net charge-offs | -0.03% (stronger) | 0.03% |
| Return on assets | 0.37% (stronger) | 0.04% |
| Loans ÷ deposits | 44.2% (stronger) | 96.9% |
| Uninsured deposits | 18.6% | 4.4% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.0% |
Cumberland Municipal Employees Federal Credit Union has the higher TellerScore (78 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Cumberland Municipal Employees Federal Credit Union leads on 6 and Ocean State Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.