TellerScore

Manchester Municipal Federal Credit Union is a federal credit union headquartered in Manchester, Connecticut, in business for about 66 years. At the end of Q2 2026 it reported $40.1M in total assets and $36.3M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Manchester Municipal Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 24% of 2,479 credit unions with under $100 million in assets. Among 64 credit unions headquartered in Connecticut, it ranks 47th. Its strongest component is funding & liquidity (91/100; 70% loans-to-deposits, 7% uninsured), and its lowest is capital cushion (42/100; 9.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Net worth ratio: 9.21%
Loan quality67/100
Loans 60+ days delinquent ÷ total loans: 0.99%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity91/100
Loans ÷ shares: 69.6% · 6.6% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.74%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (67 → 62), mostly because the loan quality component weakened by 20 points.

TellerScore
626568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202465
Q4 202466
Q1 202568
Q2 202567
Q3 202568
Q4 202565
Q1 202667
Q2 202662
Net worth ratio
7.00%8.11%9.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.72%
Q3 20248.93%
Q4 20248.93%
Q1 20258.89%
Q2 20259.05%
Q3 20259.21%
Q4 20259.12%
Q1 20269.10%
Q2 20269.21%
Delinquent loans (60+ days)
0.13%0.56%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.26%
Q4 20240.26%
Q1 20250.13%
Q2 20250.38%
Q3 20250.32%
Q4 20250.56%
Q1 20260.34%
Q2 20260.99%
Return on assets
0.24%0.49%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.34%
Q4 20240.39%
Q1 20250.55%
Q2 20250.60%
Q3 20250.63%
Q4 20250.60%
Q1 20260.64%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$40.1M9.21%0.99%0.75%69.6%
Q1 202667$39.6M9.10%0.34%0.64%66.1%
Q4 202565$38.8M9.12%0.56%0.60%66.5%
Q3 202568$37.9M9.21%0.32%0.63%65.4%
Q2 202567$37.8M9.05%0.38%0.60%65.1%
Q1 202568$37.8M8.89%0.13%0.55%64.6%
Q4 202466$37.1M8.93%0.26%0.39%65.1%
Q3 202465$36.5M8.93%0.26%0.34%66.8%
Q2 202463$36.8M8.72%0.30%0.24%66.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.21%
10th
Problem loans0.99%
40th
Net charge-offs0.02%
66th
Return on assets0.75%
55th
Loans to deposits69.6%
34th
Uninsured deposits6.6%
14th
Loan-loss reserves0.00%
37th
Texas ratio6.7%
22nd

Similar-size credit unions in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Lawrence Memorial Hospital Employee Federal Credit UnionCredit union New London, CT100 out of 100, Very strong$37.7M23.4%0.00%vs
Members Credit UnionCredit union Stamford, CT67 out of 100, Moderate$44.2M12.1%0.78%vs
New Haven County Credit UnionCredit union North Haven, CT63 out of 100, Moderate$35.0M10.5%1.92%vs
Police Credit Union of ConnecticutCredit union Hartford, CT69 out of 100, Moderate$45.4M10.7%1.47%vs
Ct Firefighters Federal Credit UnionCredit union Hartford, CT85 out of 100, Very strong$34.7M11.6%0.00%vs
Metropolitan District Employees Credit UnionCredit union Hartford, CT50 out of 100, Below average$34.7M10.4%2.19%vs

Deposit insurance

Is my money safe at Manchester Municipal Federal Credit Union?

Yes. Manchester Municipal Federal Credit Union is a federally insured credit union (NCUA charter #13602). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.6% of shares and deposits ($2.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.21%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Manchester Municipal Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Manchester Municipal Federal Credit Union
Type
Federal credit union
NCUA charter #
13602
RSSD ID
25281
Primary regulator
NCUA
Established
1960
Headquarters
479 Main St, Manchester, CT 06040
Employees
6

Quick answers

Manchester Municipal Federal Credit Union: common questions

Is Manchester Municipal Federal Credit Union NCUA insured?

Yes. Manchester Municipal Federal Credit Union is a federally insured credit union (NCUA charter #13602). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Manchester Municipal Federal Credit Union's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Manchester Municipal Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Manchester

InstitutionScoreAssetsCapitalProblem loansCompare
Stafford Savings BankBank Stafford Springs, CT95 out of 100, Very strong$507.0M50.6%0.56%vs
State Police Credit Union Inc.Credit union Meriden, CT91 out of 100, Very strong$84.0M15.1%0.06%vs
Ct Firefighters Federal Credit UnionCredit union Hartford, CT85 out of 100, Very strong$34.7M11.6%0.00%vs
Charter Oak Federal Credit UnionCredit union Waterford, CT85 out of 100, Very strong$1.7B12.5%0.50%vs
The Torrington Savings BankBank Torrington, CT82 out of 100, Strong$1.0B19.0%0.14%vs
Chelsea Groton BankBank Groton, CT82 out of 100, Strong$1.8B16.7%0.48%vs