Cumberland Municipal Employees vs Community & Teachers
Comparing a Credit Union in Cumberland, RI with a Credit Union in East Providence, RI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Cumberland Municipal Employees ↗ Credit Union · Cumberland, RI · Est. 1962 | Community & Teachers ↗ Credit Union · East Providence, RI · Est. 1961 | |
|---|---|---|
| Trust Grade | A · 93/100 | A · 93/100 |
| Institution type | Credit Union | Credit Union |
| Location | Cumberland, RI | East Providence, RI |
| Total assets | $9.1M | $30.8M |
| Net worth ratio | 19.4% | 11.3% |
| Return on assets | 0.4% | 0.6% |
| Shares & deposits | — | — |
| Members | 814 | 1,541 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 14 | #3 of 14 |
| Established | 1962 | 1961 |
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
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
Are both institutions federally insured?
Yes. Cumberland Municipal Employees is NCUA-insured and Community & Teachers 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, Cumberland Municipal Employees or Community & Teachers?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Cumberland Municipal Employees 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 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 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 Community & Teachers safe?
Yes — Community & Teachers 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 Cumberland Municipal Employees vs Community & Teachers?
Cumberland Municipal Employees has a net worth ratio of 19.4%, placing it in the top 24% of <$100M peers. Community & Teachers's ratio is 11.3%, placing it in the bottom 27% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Cumberland Municipal Employees have compared to Community & Teachers?
The CFPB database shows 0 complaints against Cumberland Municipal Employees, and 0 complaints against Community & Teachers. 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 Cumberland Municipal Employees 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.
