BlastPoint's Credit Union Scorecard
MANCHESTER
Charter #15296 · MA
2596 CUs in <100M nationally
68 in MA
MANCHESTER has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.69% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency ratio 8.60% above tier (higher cost structure)
- - Member decline: -5.7% YoY
- - Total Assets: Bottom 7.0% in tier
- - Total Deposits: Bottom 7.6% in tier
- - Total Members: Bottom 8.1% in tier
- - Total Loans: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
300
-5.7% YoY-1.6% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 8.0% in tier |
| Assets |
$1.3M
-2.5% YoY-2.9% QoQ
|
$-28.6M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.9% in tier |
| Loans |
$657,620
-5.8% YoY+1.2% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.9% in tier |
| Deposits |
$1.0M
-3.6% YoY-3.7% QoQ
|
$-24.4M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.5% in tier |
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| ROA |
0.5%
-62.2% YoY+32.0% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
35% |
| NIM |
4.6%
-7.2% YoY+4.4% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
77% |
| Efficiency Ratio |
90.0%
+19.1% YoY-2.3% QoQ
|
+8.6% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
62.7%
-2.3% YoY+5.0% QoQ
|
+1.5% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$5,689
+1.2% YoY-0.2% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
588
Net Interest Margin (NIM)
profitability
Value:
4.63%
Peer Avg: -
#588 of 2596
Top 22.6% in <100M tier
Top Weaknesses (11 metrics)
2416
Total Assets
balance_sheet
Value:
$1.26M
Peer Avg: -
#2416 of 2596
Bottom 7.0% in <100M tier
2401
Total Deposits
balance_sheet
Value:
$1.05M
Peer Avg: -
#2401 of 2596
Bottom 7.6% in <100M tier
2388
Total Members
engagement
Value:
300
Peer Avg: -
#2388 of 2596
Bottom 8.1% in <100M tier
2365
Total Loans
balance_sheet
Value:
$657,620
Peer Avg: -
#2365 of 2596
Bottom 8.9% in <100M tier
2327
Fee Income Per Member
profitability
Value:
$2.29
Peer Avg: -
#2327 of 2596
Bottom 10.4% in <100M tier
2312
Average Member Relationship (AMR)
engagement
Value:
$5,689
Peer Avg: -
#2312 of 2596
Bottom 11.0% in <100M tier
2228
Member Growth Rate
growth
Value:
-5.66%
Peer Avg: -
#2228 of 2596
Bottom 14.2% in <100M tier
2207
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,192
Peer Avg: -
#2207 of 2596
Bottom 15.0% in <100M tier
1995
Deposit Growth Rate
growth
Value:
-3.64%
Peer Avg: -
#1995 of 2596
Bottom 23.2% in <100M tier
1987
Efficiency Ratio
profitability
Value:
90.00%
Peer Avg: -
#1987 of 2596
Bottom 23.5% in <100M tier