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
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 6.8% in tier
- + Loan-to-Member Ratio (LMR): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,223
+1.7% YoY+0.4% QoQ
|
-392 |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$38.8M
+4.7% YoY+2.5% QoQ
|
+$8.7M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$23.3M
+6.3% YoY+3.9% QoQ
|
+$7.6M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$35.1M
+4.0% YoY+2.2% QoQ
|
+$9.4M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
0.6%
+53.8% YoY-4.7% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
3.0%
-0.9% YoY+0.7% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
81.2%
-5.1% YoY+1.0% QoQ
|
-1.4% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.6%
+117.4% YoY+74.8% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
66.5%
+2.2% YoY+1.7% QoQ
|
+5.9% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$26,274
+3.2% YoY+2.5% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
Top 6.8% in tier |
| CD Concentration |
36.8%
+9.8% YoY+2.4% QoQ
|
+12.4% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 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)