BlastPoint's Credit Union Scorecard
MANCHESTER MUNICIPAL
Charter #13602 · CT
MANCHESTER MUNICIPAL has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 5.7% in tier
- + Average Member Relationship (AMR): Top 6.0% in tier
- + Loan Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Share Certificate Concentration (%): Bottom 9.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Connecticut.
- Shares and deposits +5.8% year over year ($36.3M in shares and deposits).
- Membership: 2,231 members, +1.2% vs a year ago.
- Delinquency rate 0.99%.
- Return on assets 0.75%.
- Efficiency ratio 76.69% vs a 88.77% peer average.
- Loan-to-share ratio 69.62% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,231
+1.2% YoY+0.3% QoQ
|
-354 |
2,585
-1.7% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$40.1M
+5.8% YoY+1.1% QoQ
|
+$9.8M |
$30.3M
+1.5% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$25.3M
+13.2% YoY+6.5% QoQ
|
+$9.8M |
$15.5M
-1.7% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
78% |
| Deposits |
$36.3M
+5.8% YoY+1.2% QoQ
|
+$10.5M |
$25.8M
+1.1% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
71% |
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| ROA |
0.8%
+24.0% YoY+18.0% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
3.1%
+7.0% YoY+1.8% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
21% |
| Efficiency Ratio |
76.7%
-5.5% YoY-1.6% QoQ
|
-12.1% |
88.8%
-6.9% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
1.0%
+159.7% YoY+186.1% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
69.6%
+7.0% YoY+5.3% QoQ
|
+10.7% |
58.9%
-3.1% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$27,577
+7.5% YoY+3.0% QoQ
|
+$13K |
$14,963
-6.8% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
Top 6.0% in tier |
| CD Concentration |
37.5%
+8.2% YoY-0.2% QoQ
|
+13.0% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)