MANCHESTER MUNICIPAL
Charter #13602 · Manchester, CT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.10% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 3.11% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.46% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 52nd — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MANCHESTER MUNICIPAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.61M | 82th pct | 52th pct |
| Members | 2,224 | 55th pct | 33th pct |
| Net worth ratio | 9.10% | 11th pct | 21th pct |
| Return on average assets | 0.64% | 50th pct | 44th pct |
| Net interest margin | 3.11% | 19th pct | 10th pct |
| Cost of funds | 1.46% | 76th pct | 80th pct |
| Loan-to-share | 66.14% | 64th pct | 59th pct |
| Delinquency 60+ days | 0.34% | 39th pct | 46th pct |
| Net charge-off ratio | 0.05% | 42th pct | 34th pct |
| Loan growth YoY | 5.63% | 93th pct | 85th pct |
| Share growth YoY | 4.45% | 70th pct | 66th pct |
| Efficiency ratio | 77.92% | 44th pct | 33th pct |
structural peer set hash: 0f777feb222aab65a7db93c3ea49f42e… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.