Federal credit union · MANCHESTER, Connecticut · NCUA charter #13602
Manchester Municipal
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $38.8M
- Total assets
- 2,223
- Members
- 9.1%
- Net-worth ratio
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.
Manchester Municipal - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)93
- Asset quality (delinquency)98
- Earnings (ROA)87
- Member growth74
- Liquidity (loan-to-share)95
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.12%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.12% | 30% |
| Delinquency Rate | 0.56% | 25% |
| Return on Assets | 0.37% | 15% |
| Member Growth | 1.69% | 15% |
| Loan-to-Share Ratio | 66.50% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Manchester Municipal
Charter #13602, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Manchester Municipal, a federal credit union in MANCHESTER, Connecticut with 2,223 members, $38.8M in total assets, and $23.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 91/100 (Excellent), helped by a net worth ratio of 9.12% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.56% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 66.50% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.37% on net income of $144K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.69%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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–$50M86Health
- METROPOLITAN DISTRICT EMPLOYEESHARTFORD, CT · $10M–$50M63Health
- ENFIELD COMMUNITYENFIELD, CT · $10M–$50M78Health
- NEW HAVEN COUNTYNorth Haven, CT · $10M–$50M79Health
Compare Manchester Municipal vs LAWRENCE MEMORIAL HOSPITAL EMPLOYEE
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Manchester Municipal financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - Manchester Municipal's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.12% net worth ratio and 0.56% delinquency rate are the key drivers.
How does Manchester Municipal compare to other credit unions?
Manchester Municipal scores 91/100 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 9.12% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.