Federal credit union · Manchester, Massachusetts · NCUA charter #15296
MANCHESTER
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $1.3M
- Total assets
- 297
- Members
- 16.4%
- Net-worth ratio
MANCHESTER scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.3M; members 297; net-worth ratio 16.38%; health rank #2,224 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,224 of 4,374 health · 2025Q4MANCHESTER · health 83/100 · $1.3M · 2025Q4
- BOOK 83/100
- CHARTER 16.4%
- NCUSIF 0.00%
- CAMELS 2.23%
- HEALTH $1.3M
- NW 297
- DELQ #2,224/4,374
- ROA n/a
- ASSETS 15296
Call Report peers
MANCHESTER carries $1.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MANCHESTER vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
MANCHESTER - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #15296. See our deposit-insurance coverage note.
Where MANCHESTER diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 62.07% vs peer 52.70% (+9.37 pp).
- Net Worth Ratio trails the peer set - 16.38% here, 22.93% peer average (-6.55 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MANCHESTER in Massachusetts
- In Massachusetts, health place is #65 of 126 on the same NCUA-ratio sort used nationally.
- Massachusetts assets place: #124 of 126.
- Massachusetts membership ordinal: #119 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
MANCHESTER Call Report trajectory
MANCHESTER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $1.3M (2025Q4) to $1.3M (2026Q1).
- Net-worth ratio shifted -0.38 pp (16.76% → 16.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for MANCHESTER
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.38% | -6.55 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 2.23% | +2.01 pp |
| Member Growth | -5.11% | - |
| Loan-to-Share Ratio | 62.07% | +9.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.3M | - |
| 2025Q4 | $1.3M | 297 |
| 2024Q4 | $1.3M | 313 |
| 2023Q4 | $1.4M | 321 |
Credit Union Details
- Charter Number
- 15296
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Under $2M
- State
- Massachusetts
- City
- Manchester
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, MANCHESTER runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| MANCHESTER FEDERAL CREDIT INION (Main Office) | Manchester, MA |
| MANCHESTER FEDERAL CREDIT INION | MANCHESTER, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Cross-state Call Report peers for MANCHESTER
MANCHESTER's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- MANCHESTER ranks #2,224 of 4,374 nationally on financial health and #65 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Messiah Baptist-Jubilee is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Messiah Baptist-Jubilee
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is MANCHESTER financially healthy?
A 16.38% net worth ratio and a 0.00% delinquency rate feed into MANCHESTER's financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,224 of 4,374; by total assets it ranks #4,201 of 4,374 nationally (same basis as /rankings/largest); and #124 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does MANCHESTER compare to other credit unions?
83/100 is MANCHESTER's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join MANCHESTER?
MANCHESTER serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact MANCHESTER directly for the current list of qualifying groups.
Is my money safe at MANCHESTER?
Federal credit unions like MANCHESTER are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. MANCHESTER's net worth ratio of 16.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MANCHESTER offer compared to banks?
Credit unions like MANCHESTER are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact MANCHESTER directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.