Federal credit union · MANCHESTER, Connecticut · NCUA charter #13602
Manchester Municipal
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $38.8M
- Total assets
- 2,223
- Members
- 9.1%
- Net-worth ratio
Manchester Municipal scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.8M; members 2,223; net-worth ratio 9.10%; health rank #1,165 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,165 of 4,374 health · 2025Q4Manchester Municipal · health 90/100 · $38.8M · 2025Q4
- BOOK 90/100
- CHARTER 9.1%
- NCUSIF 0.56%
- CAMELS 0.37%
- HEALTH $38.8M
- NW 2,223
- DELQ #1,165/4,374
- ROA METHUEN
- ASSETS 13602
Call Report peers
Manchester Municipal in the assets neighbourhood
Manchester Municipal's $38.8M assets sit next to METHUEN ($38.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Manchester Municipal 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
90 Top 27% higher than 73% 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 Municipal - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #13602: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Manchester Municipal
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +6.70 pp (66.50% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -5.76 pp (9.10% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Manchester Municipal: in-state Call Report ranks
- Health composite ranks #12 of 64 among scored Connecticut credit unions.
- By total assets, Manchester Municipal is #36 of 64 in Connecticut.
- Membership ranks #40 of 64 among Connecticut CUs with a reported count (2,223 members).
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Manchester Municipal: 2025Q4 → 2026Q1
Manchester Municipal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $38.8M (2025Q4) to $39.6M (2026Q1).
- Net-worth ratio shifted -0.02 pp (9.12% → 9.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 27.8 pts
- Delinquency Rate 24.4 pts
- Return on Assets 13.1 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 13.7 pts
Call Report ratios for Manchester Municipal
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.10% | -5.76 pp |
| Delinquency Rate | 0.56% | -0.59 pp |
| Return on Assets | 0.37% | -0.33 pp |
| Member Growth | 1.69% | - |
| Loan-to-Share Ratio | 66.50% | +6.70 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Manchester Municipal
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.6M | - |
| 2025Q4 | $38.8M | 2,223 |
| 2024Q4 | $37.1M | 2,186 |
| 2023Q4 | $36.1M | 2,161 |
Credit Union Details
- Charter Number
- 13602
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Connecticut
- City
- MANCHESTER
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Manchester Municipal runs one office.
| Office | City |
|---|---|
| Manchester Municipal FCU (Main Office) | Manchester, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
- LAWRENCE MEMORIAL HOSPITAL EMPLOYEENew London, CT · $10M–$50M87Health
- MEMBERSStamford, CT · $10M–$50M89Health
- METROPOLITAN DISTRICT EMPLOYEESHARTFORD, CT · $10M–$50M66Health
- ENFIELD COMMUNITYENFIELD, CT · $10M–$50M80Health
- NEW HAVEN COUNTYNorth Haven, CT · $10M–$50M86Health
Compare Manchester Municipal vs LAWRENCE MEMORIAL HOSPITAL EMPLOYEE
Other-state peers near Manchester Municipal
Cross-state asset and health neighbours for Manchester Municipal - kept outside Connecticut; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($38.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Manchester Municipal ranks #1,165 of 4,374 nationally on financial health and #12 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lawrence Memorial Hospital Employee is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lawrence Memorial Hospital Employee
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut 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 Municipal financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - Manchester Municipal's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,165 of 4,374; by total assets it ranks #2,633 of 4,374 nationally (same basis as /rankings/largest); and #36 of 64 within Connecticut. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.10% net worth ratio and 0.56% delinquency rate are the key drivers.
How does Manchester Municipal compare to other credit unions?
Manchester Municipal scores 90/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Municipal?
Manchester Municipal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Manchester Municipal directly to confirm current membership steps.
Is my money safe at Manchester Municipal?
Federal credit unions like Manchester Municipal 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 Municipal's net worth ratio of 9.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Manchester Municipal offer compared to banks?
Credit unions like Manchester Municipal 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 Municipal 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.