BlastPoint's Credit Union Scorecard
MANCHESTER
Charter #15296 · MA
MANCHESTER has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.16% above tier (higher cost structure)
- - Member decline: -5.1% YoY
- - Total Assets: Bottom 6.7% in tier
- - Total Deposits: Bottom 7.3% in tier
- - Fee Income Per Member: Bottom 7.3% in tier
- - Total Members: Bottom 7.7% in tier
- - Total Loans: Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
296
-5.1% YoY-0.3% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Bottom 7.7% in tier |
| Assets |
$1.3M
+0.3% YoY+2.6% QoQ
|
$-28.9M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.7% in tier |
| Loans |
$590,179
-8.9% YoY-9.5% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.7% in tier |
| Deposits |
$1.1M
-0.0% YoY+3.1% QoQ
|
$-24.7M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.3% in tier |
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| ROA |
0.2%
-33.9% YoY-52.1% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
4.4%
-1.5% YoY-6.8% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
95.8%
+2.2% YoY+4.2% QoQ
|
+5.2% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
79% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
54.5%
-8.9% YoY-12.2% QoQ
|
-4.0% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
44% |
| AMR |
$5,652
+1.9% YoY-1.4% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.8% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.3% | 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)