Side-by-side · Q2 2026 data
Cumberland Municipal Employees Federal Credit Union vs Wave Federal 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 | Wave Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 68 | 69 (stronger) |
| Earnings | 35 | 39 (stronger) |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 59th | 54th |
| Total assets | $9.2M | $156.8M |
| Deposits / shares | $7.3M | $136.8M |
| Capital ratio | 19.26% (stronger) | 12.30% |
| Problem loans | 0.95% | 0.93% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.08% |
| Return on assets | 0.37% | 0.47% (stronger) |
| Loans ÷ deposits | 44.2% (stronger) | 58.4% |
| Uninsured deposits | 18.6% | 5.3% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.8% |
Cumberland Municipal Employees Federal Credit Union has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Cumberland Municipal Employees Federal Credit Union leads on 4 and Wave Federal Credit Union on 3. 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.