# MANCHESTER
Manchester, MA · NCUA charter 15296 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/manchester-15296

Who the members are: federal charter, multiple common bond, organized 1962. 296 members of 800 potential (37.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.3M |
| Members | 296 (-5.1% YoY) |
| Full-time staff | 0 |
| Net worth | $212,259 |
| Net worth ratio | 16.4% (p58 of band) |
| ROA (annualized) | 0.18% (p31 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 55% (p46 of band) |
| Cash / assets | 53.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.37% (p69 of band) |
| Operating expense / assets | 4.20% (p64 of band) |
| Vehicles % of loans | 84% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 0% |
| Average share balance | $3,322 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 85% |
| Average loan balance | $9,368 |
| Loans granted, annualized | $2.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 4 | losing money, assets shrinking, loan book shrinking |  |
| 2017-06 | 3 |  | assets shrinking |
| 2017-09 | 4 | members leaving |  |
| 2017-12 | 3 |  | loan book shrinking |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | assets shrinking |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 2 |  | losing money, members leaving |
| 2019-03 | 3 | losing money |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | losing money |
| 2019-12 | 2 | losing money | assets shrinking |
| 2020-03 | 3 | net worth falling, loan book shrinking | losing money |
| 2020-06 | 4 | losing money |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 5 | margin squeeze, members leaving |  |
| 2021-03 | 6 | net worth falling |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 6 |  |  |
| 2021-12 | 6 |  |  |
| 2022-03 | 3 |  | loan book shrinking, margin squeeze, net worth falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 3 |  | losing money |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | members leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | members leaving |  |
| 2025-09 | 2 |  | assets shrinking |
| 2025-12 | 3 | assets shrinking |  |
| 2026-03 | 3 | net worth falling | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-06 [Greater Manchester credit unions announce merger - Co-operative News](https://news.google.com/rss/articles/CBMif0FVX3lxTE5Ud2Q3U2tkb1lsU3dRa1hSaTVkQUpUck1GYk1NZ3Y3Q3dHNEw0VjdoT21VM1pYeGVJOUZrTWhnc004dF9vRG1xOFNydEhWMV9KT2JQeTJ5NFBzSnJSdS1XUF91aE54Ry1YcHUtWDJLSW9qN3RXekFsaWFjaFZiNEE?oc=5) · Co-operative News
- 2026-03-02 [ATM ‘jackpotting’ theft spree included $60,000 from NH credit union, DOJ alleges - Manchester Ink Link](https://news.google.com/rss/articles/CBMirAFBVV95cUxQVXUyV3dpZldFcmx3SnY1eDBHdUh5S2I0RVVPVjkxcWxZYnR1RnFCNWlBMEJvREVtUzQ4OGJCbFJMTDRKNmFMUm9JaWRBekExWmZackZuU2thUGFET1JiSU1XVUFuZHFiaXZfQ2R4SXUwNTlGeGExdHNuenJudnRmcEpMRXhEWnI4WWtoLWRuSVdUeFRoRHUzV1pHNVR2aWNKLWNfUEg5S3diTHhx?oc=5) · Manchester Ink Link
- 2026-04-12 [Obituary information for Donald Paul Anderson - Chapman Funerals & Cremations](https://news.google.com/rss/articles/CBMiggFBVV95cUxOYnhPa1hBQ1pjWTdKeTdRTHlsQmIxQm1rRXZVN1ktYTZwdnRFYjYtZTNKcG5fSzhUbzJ3WkhmRE5vbkU0dENDNnZ6WlJkaHBiN2J5VmJpZXI1RW0tbFY0a1lEaGtpR0xRRzR4T0prYUQ2d2h5R2hRMWktVmlfVERNMF93?oc=5) · Chapman Funerals &amp; Cremations
- 2022-03-22 [Bellwether Community Credit Union Selects Upstart for Personal Lending - Upstart](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPTXk1a0lxdlFLVXA2RF9pYjY5aTRmbUNIZ3N6NkcxSkNrZHlwTDZCZ3dYb09tQkdVOUIzbGpZSThlNjRXa1BBUk83dzV6Qm91THFmSWh4YU5qaHFtRWFlMXQ4SG1UWUNaX2RldlBPMFRLZHhKMXZGaHJ5aEdlRnRsN1gwbXJLdzBqV2lmSGd5NmpnQnFhejBDa08zMlZNQUM2VTJRZGRFSnFEZk5RVDBjaFV3ci1pc3ho?oc=5) · Upstart
- 2022-04-03 [This Month in History: Credit Unions Come to Mass. - Banker & Tradesman](https://news.google.com/rss/articles/CBMihwFBVV95cUxPSm1EcENLcERNUnY3cW5lbFVWVGZ0RHZXMWROVDNPdnpvYjlWRU8zeGNNVW9ad1hDVllnYjFITldXVWIzZFdtVXY3RGtJX3B2WnI5RUx4YUctejY5c3FfcFQ0bURNN2JNWk4zeHNZUUoxMXoyMnZzOVY3SVZfMC1DVDZZRmdqb1E?oc=5) · Banker &amp; Tradesman
- 2025-10-12 [Clifton English Jr. Obituary (2025) - Malden, MA - Weir Mac Cuish Family Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxPdlhJQkhJUF93Rk9JaE9JUVpRSFNLNFp1dmxSNjRESm5ZYnBaWDZkejVuUEl4YjRaNF9JSm01YlkzSWUtMXVxS1R0cThVenNLNG1mMC11UVVHeEV2ZGM4SFhFbkJlcGZTMXF0RzVIcGtjOUszTjlMa05fdkNFb1ZSZTY5aEQ?oc=5) · Legacy obituary
- 2025-02-10 [Manchester man arrested for credit union robbery - UnionLeader.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPckVYX0NyV0pjUk05TkNxUjYtSVFHSVRQNFc2MXVWdkp1dGRtSjB3QnVBUWd3MEVWLVlmdHBRZ3RIRDVrQkZRTTVGeVFjbEpnVWJPbjg5VURqMWN5SU4zb1pSYVdNMnZ1Q1RTOXdzQ0FUUkU1ekxwR2Fsa1VPZjZ5UzZjMU1ZblB2OHc4YVQ2T1lHZnlTdkFLdWdhekdvV3JvZS1sWEhEOEpEWjZYc3NjWVIxLW0tdEZINExqcVVRb29yak9MbE9OOS1wM0k3Y3FxUDdB?oc=5) · UnionLeader.com
- 2021-06-09 [Bellwether Community Credit Union Welcomes Jessica Miele to the Business Services Team - PR Newswire](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNMHluTmNjb2hGaFFKT3JzampjQXhzMjBhc1hya1piQXBUS3JOdXVWYkRjZ1R3LXJuSkVfMHRFR0JCWmZJbU13X2NWZEJRZ1pUazdzSVFhdGg0UHlPY2Q3TTZRZ2ZBSi1vMFl1cVBsdmgzNS1EWi02TzdfUlBIOXpVY2YtRlFEMWhzVmdJbTlFLTF5OENFMXA2NnhzR3Yxc182b2hSM3d2SC0xRDZhQk1XTWZrVXZTX2hLdGU5V0J1UjNEbnFYVXJPTG9pNW9XUzRKUzlWUUt4U3l6dw?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15296 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/0.json (key "15296", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=15296
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide