BlastPoint's Credit Union Scorecard
MANCHESTER
Charter #15296 · MA
2556 CUs in <100M nationally
67 in MA
MANCHESTER has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.74% 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 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency ratio 9.33% above tier (higher cost structure)
- - Member decline: -5.1% YoY
- - Total Assets: Bottom 6.8% in tier
- - Total Deposits: Bottom 7.4% in tier
- - Total Members: Bottom 7.6% in tier
- - Total Loans: Bottom 8.8% in tier
- - Fee Income Per Member: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
297
-5.1% YoY-1.0% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 7.5% in tier |
| Assets |
$1.3M
-3.9% YoY+0.1% QoQ
|
$-28.9M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.8% in tier |
| Loans |
$652,008
-7.5% YoY-0.9% QoQ
|
$-15.1M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.8% in tier |
| Deposits |
$1.1M
-5.1% YoY+0.1% QoQ
|
$-24.6M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.3% in tier |
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| ROA |
0.4%
-82.2% YoY-17.7% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
4.7%
-7.2% YoY+1.4% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
91.9%
+58.6% YoY+2.1% QoQ
|
+9.3% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
62.1%
-2.5% YoY-1.0% QoQ
|
+1.5% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$5,732
-1.0% YoY+0.8% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
537
Net Interest Margin (NIM)
profitability
Value:
4.69%
Peer Median: -
#537 of 2556
Top 21.0% in <100M tier
Top Weaknesses (11 metrics)
2383
Total Assets
balance_sheet
Value:
$1.26M
Peer Median: -
#2383 of 2556
Bottom 6.8% in <100M tier
2369
Total Deposits
balance_sheet
Value:
$1.05M
Peer Median: -
#2369 of 2556
Bottom 7.4% in <100M tier
2363
Total Members
engagement
Value:
297
Peer Median: -
#2363 of 2556
Bottom 7.6% in <100M tier
2331
Total Loans
balance_sheet
Value:
$652,008
Peer Median: -
#2331 of 2556
Bottom 8.8% in <100M tier
2304
Fee Income Per Member
profitability
Value:
$2.58
Peer Median: -
#2304 of 2556
Bottom 9.9% in <100M tier
2275
Average Member Relationship (AMR)
engagement
Value:
$5,732
Peer Median: -
#2275 of 2556
Bottom 11.0% in <100M tier
2166
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,195
Peer Median: -
#2166 of 2556
Bottom 15.3% in <100M tier
2129
Member Growth Rate
growth
Value:
-5.11%
Peer Median: -
#2129 of 2556
Bottom 16.7% in <100M tier
2122
Deposit Growth Rate
growth
Value:
-5.11%
Peer Median: -
#2122 of 2556
Bottom 17.0% in <100M tier
2112
Asset Growth Rate
growth
Value:
-3.93%
Peer Median: -
#2112 of 2556
Bottom 17.4% in <100M tier