BlastPoint's Credit Union Scorecard
MANCHESTER
Charter #15296 · MA
MANCHESTER has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.55% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.29% below tier average
- - Efficiency ratio 6.64% above tier (higher cost structure)
- - Member decline: -3.0% YoY
- - Loan Growth Rate: Bottom 5.1% in tier
- - Total Assets: Bottom 6.4% in tier
- - Total Deposits: Bottom 6.9% in tier
- - Total Loans: Bottom 7.7% in tier
- - Total Members: Bottom 7.8% 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 63 that size in Massachusetts.
- Shares and deposits -4.9% year over year ($1.0M in shares and deposits).
- Membership: 296 members, -3.0% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.21%.
- Efficiency ratio 95.41% vs a 88.77% peer average.
- Loan-to-share ratio 48.86% 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 (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
296
-3.0% YoY0% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
Bottom 7.7% in tier |
| Assets |
$1.2M
-3.8% YoY-3.6% QoQ
|
$-29.0M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.4% in tier |
| Loans |
$505,882
-22.1% YoY-14.3% QoQ
|
$-15.0M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.6% in tier |
| Deposits |
$1.0M
-4.9% YoY-4.4% QoQ
|
$-24.8M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.8% in tier |
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| ROA |
0.2%
-41.7% YoY+12.0% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.0% in tier |
| NIM |
4.5%
+0.5% YoY+1.8% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
95.4%
+3.6% YoY-0.4% QoQ
|
+6.6% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
48.9%
-18.1% YoY-10.3% QoQ
|
-10.0% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
34% |
| AMR |
$5,207
-8.7% YoY-7.9% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.5% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 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)