Cumberland Municipal Employees vs Natco Employees
Comparing a Credit Union in Cumberland, RI with a Credit Union in West Warwick, 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 | Natco Employees ↗ Credit Union · West Warwick, RI · Est. 1965 | |
|---|---|---|
| Trust Grade | A · 93/100 | A · 91/100 |
| Institution type | Credit Union | Credit Union |
| Location | Cumberland, RI | West Warwick, RI |
| Total assets | $9.1M | $201,381 |
| Net worth ratio | 19.4% | 17.4% |
| Return on assets | 0.4% | 0.1% |
| Shares & deposits | — | — |
| Members | 814 | 29 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 14 | #5 of 14 |
| Established | 1962 | 1965 |
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
Natco Employees
- Assets: $201,381
- Members: 29
- Capital ratio: 17.4%
- Return on assets: 0.1%
- CFPB complaints: 0
- State rank: #5 of 14
Are both institutions federally insured?
Yes. Cumberland Municipal Employees is NCUA-insured and Natco 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, Cumberland Municipal Employees or Natco Employees?
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 Natco Employees safe?
Yes — Natco Employees is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (91/100).
What is the capital ratio of Cumberland Municipal Employees vs Natco Employees?
Cumberland Municipal Employees has a net worth ratio of 19.4%, placing it in the top 24% of <$100M peers. Natco Employees's ratio is 17.4%, placing it in the top 32% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Cumberland Municipal Employees have compared to Natco Employees?
The CFPB database shows 0 complaints against Cumberland Municipal Employees, and 0 complaints against Natco 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 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.
