Community & Teachers vs Cumberland Municipal Employees
Comparing a Credit Union in East Providence, RI with a Credit Union in Cumberland, RI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Community & Teachers ↗ Credit Union · East Providence, RI · Est. 1961 | Cumberland Municipal Employees ↗ Credit Union · Cumberland, RI · Est. 1962 | |
|---|---|---|
| Trust Grade | A · 93/100 | A · 93/100 |
| Institution type | Credit Union | Credit Union |
| Location | East Providence, RI | Cumberland, RI |
| Total assets | $30.8M | $9.1M |
| Net worth ratio | 11.3% | 19.4% |
| Return on assets | 0.6% | 0.4% |
| Shares & deposits | — | — |
| Members | 1,541 | 814 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 14 | #1 of 14 |
| Established | 1961 | 1962 |
Community & Teachers
- Assets: $30.8M
- Members: 1,541
- Capital ratio: 11.3%
- Return on assets: 0.6%
- CFPB complaints: 0
- State rank: #3 of 14
Cumberland Municipal Employees
- Assets: $9.1M
- Members: 814
- Capital ratio: 19.4%
- Return on assets: 0.4%
- CFPB complaints: 0
- State rank: #1 of 14
Are both institutions federally insured?
Yes. Community & Teachers is NCUA-insured and Cumberland Municipal Employees is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Community & Teachers or Cumberland Municipal Employees?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Community & Teachers scores higher with a grade of A (93/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Community & Teachers safe?
Yes — Community & Teachers is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (93/100), reflecting its financial strength and complaint history relative to peers.
Is Cumberland Municipal Employees safe?
Yes — Cumberland Municipal Employees is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (93/100).
What is the capital ratio of Community & Teachers vs Cumberland Municipal Employees?
Community & Teachers has a net worth ratio of 11.3%, placing it in the bottom 27% of <$100M peers. Cumberland Municipal Employees's ratio is 19.4%, placing it in the top 24% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Community & Teachers have compared to Cumberland Municipal Employees?
The CFPB database shows 0 complaints against Community & Teachers, and 0 complaints against Cumberland Municipal Employees. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Community & Teachers with other Credit Unions in Rhode Island
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
