BlastPoint's Credit Union Scorecard
MANCHESTER MUNICIPAL
Charter #13602 · CT
MANCHESTER MUNICIPAL has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% above tier average
- + Average Member Relationship (AMR): Top 6.2% in tier
- + Loan-to-Member Ratio (LMR): Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,224
+1.5% YoY+0.0% QoQ
|
-452 |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
56% |
| Assets |
$39.6M
+4.8% YoY+2.1% QoQ
|
+$9.4M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
69% |
| Loans |
$23.7M
+7.0% YoY+1.7% QoQ
|
+$8.4M |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
76% |
| Deposits |
$35.9M
+4.5% YoY+2.2% QoQ
|
+$10.1M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
70% |
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| ROA |
0.6%
+14.8% YoY+5.3% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
51% |
| NIM |
3.1%
+6.8% YoY+3.7% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
21% |
| Efficiency Ratio |
77.9%
-4.7% YoY-4.0% QoQ
|
-12.7% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
41% |
| Delinquency Rate |
0.3%
+170.4% YoY-38.4% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
37% |
| Loan To Share |
66.1%
+2.4% YoY-0.5% QoQ
|
+7.6% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$26,786
+4.0% YoY+1.9% QoQ
|
+$12K |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
Top 6.2% in tier |
| CD Concentration |
37.6%
+8.8% YoY+2.1% QoQ
|
+13.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 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)