MANCHESTER
Charter #15296 · Manchester, MA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 296 sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.09% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.30M | 21th pct | 16th pct |
| Members | 296 | 24th pct | 18th pct |
| Net worth ratio | 16.38% | 45th pct | 59th pct |
| Return on average assets | 0.19% | 40th pct | 43th pct |
| Net interest margin | 4.43% | 62th pct | 72th pct |
| Cost of funds | 0.09% | 20th pct | 7th pct |
| Loan-to-share | 54.50% | 46th pct | 44th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -10.26% | 27th pct | 20th pct |
| Share growth YoY | 3.24% | 72th pct | 62th pct |
| Efficiency ratio | 95.79% | 66th pct | 67th pct |
structural peer set hash: 11b115edd610e6a34e93714f8717c59d… (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.