BlastPoint's Credit Union Scorecard

ST. MARY'S BANK

Charter #63829 · NH

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 2 in NH

View Mid-Market leaderboard →

ST. MARY'S BANK has 5 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NH Analysis

How does NH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 29.8% in tier
+ ROA 0.20% above tier average
+ Net Interest Margin 0.19% above tier average
+ Strong member growth: 5.5% YoY
+ Loan-to-Share Ratio: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.7% in tier
- Credit Risk Growth: Bottom 19.2% in tier
- Credit Quality Pressure: Bottom 33.2% in tier
- Indirect Auto Dependency: Bottom 55.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Members	102,473 +5.5% YoY+2.2% QoQ	+6.4K	96,048 -2.7% YoY	70,447 +10.9% YoY	33,913 +5.7% YoY	65%
Assets	$1.8B +4.5% YoY+0.9% QoQ	+$31.9M	$1.7B +0.4% YoY	$1.2B +16.1% YoY	$578.3M +9.0% YoY	60%
Loans	$1.6B +10.9% YoY+3.7% QoQ	+$339.3M	$1.2B +0.2% YoY	$918.0M +16.0% YoY	$402.4M +8.7% YoY	76%
Deposits	$1.6B +3.7% YoY+0.7% QoQ	+$89.7M	$1.5B +0.5% YoY	$1.0B +16.2% YoY	$494.3M +9.1% YoY	63%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +6.0% YoY+1.1% QoQ	+0.2%	0.7% +27.6% YoY	0.9% +113.1% YoY	0.4% -39.2% YoY	72%
NIM	3.5% +6.4% YoY+2.9% QoQ	+0.2%	3.4% +6.2% YoY	3.4% +5.0% YoY	3.8% +4.1% YoY	63%
Efficiency Ratio	73.5% -2.8% YoY-2.5% QoQ	-1.1%	74.6% -3.0% YoY	77.2% -6.5% YoY	84.6% +2.8% YoY	43%
Delinquency Rate	0.3% +41.8% YoY-19.9% QoQ	-0.4	0.8% +6.9% YoY	0.7% +47.7% YoY	1.2% +3.4% YoY	20%
Loan To Share	99.9% +7.0% YoY+3.0% QoQ	+16.7%	83.2% -0.4% YoY	72.7% +0.2% YoY	65.6% -1.4% YoY	Top 10.1% in tier
AMR	$30,333 +1.6% YoY-0.0% QoQ	+$681	$29,652 +2.3% YoY	$26,400 +8.8% YoY	$19,920 +1.6% YoY	61%
CD Concentration	28.5% +2.2% YoY-1.1% QoQ	-0.3%	28.8%	31.2%	19.8%	50%
Indirect Auto %	35.5% +15.6% YoY+5.0% QoQ	+17.5%	18.1%	17.0%	7.7%	84%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#21 of 79 • Top 29.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.92%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 5.51%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (4)

Liquidity Strain

risk

#20 of 148 • Bottom 11.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 99.86%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 10.91%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Credit Risk Growth

risk

#62 of 183 • Bottom 19.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.91%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk

#99 of 198 • Bottom 55.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.49%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 35.55%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.51%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#126 of 225 • Bottom 33.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 306 peers in tier

Top Strengths (7 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 99.86%

Peer Median: 85.31%

#31 of 306 Top 9.8% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.16%

Peer Median: 0.51%

#33 of 306 Top 10.5% in 1B-3B tier

Member Growth Rate

growth

Value: 5.51%

Peer Median: 2.03%

#55 of 306 Top 17.6% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.91%

Peer Median: 5.67%

#57 of 306 Top 18.3% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.34%

Peer Median: 0.63%

#63 of 306 Top 20.3% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.55B

Peer Median: $1.11B

#73 of 306 Top 23.5% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,156

Peer Median: $12,733

#77 of 306 Top 24.8% in 1B-3B tier

Top Weaknesses (2 metrics)

261

Indirect Auto Concentration (%)

balance_sheet

Value: 35.55%

Peer Median: 13.86%

#261 of 306 Bottom 15.0% in 1B-3B tier

231

Fee Income Per Member

profitability

Value: $154.38

Peer Median: $191.54

#231 of 306 Bottom 24.8% in 1B-3B tier