Side-by-side · Q2 2026 data
Shoreham Bank vs Cumberland Municipal Employees Federal Credit Union
Credit union
Cumberland Municipal Employees Federal Credit Union
Cumberland, Rhode Island · Under $100 million in assets
Metric by metric
| Measure | Shoreham Bank | Cumberland Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 78 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 63 | 68 (stronger) |
| Earnings | 45 (stronger) | 35 |
| Funding & liquidity | 51 | 96 (stronger) |
| Problem-loan coverage | 84 | 97 (stronger) |
| Peer percentile | 16th | 59th |
| Total assets | $534.8M | $9.2M |
| Deposits / shares | $420.5M | $7.3M |
| Capital ratio | 10.65% | 19.26% (stronger) |
| Problem loans | 1.12% | 0.95% (stronger) |
| Net charge-offs | 0.89% | -0.03% (stronger) |
| Return on assets | 0.63% (stronger) | 0.37% |
| Loans ÷ deposits | 109.1% | 44.2% (stronger) |
| Uninsured deposits | 10.9% (stronger) | 18.6% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cumberland Municipal Employees Federal Credit Union has the higher TellerScore (78 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Shoreham Bank leads on 2 and Cumberland Municipal Employees Federal Credit Union on 5. 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.