BlastPoint's Credit Union Scorecard
ST. MARY'S BANK
Charter #63829 · NH
ST. MARY'S BANK has 6 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does NH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 14.2% in tier
- + Credit Quality Leader: Top 27.7% in tier
- + Emerging Performer: Top 31.0% in tier
- + ROA 0.23% above tier average
- + Net Interest Margin 0.17% above tier average
- + Total Delinquency Rate (60+ days): Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 6.2% in tier
- - Liquidity Strain: Bottom 13.7% in tier
- - Margin Compression: Bottom 18.3% in tier
- - Credit Risk Growth: Bottom 21.6% in tier
- - Credit Quality Pressure: Bottom 25.1% in tier
- - Efficiency ratio 0.39% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
99,886
+4.8% YoY+1.9% QoQ
|
+1.2K |
98,678
-1.9% YoY
|
69,671
+10.7% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$1.7B
+8.8% YoY+1.8% QoQ
|
$-6.9M |
$1.7B
+0.5% YoY
|
$1.1B
+16.1% YoY
|
$547.7M
+7.8% YoY
|
58% |
| Loans |
$1.5B
+8.7% YoY+3.1% QoQ
|
+$242.2M |
$1.2B
+0.5% YoY
|
$906.3M
+19.0% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$1.5B
+8.6% YoY+2.1% QoQ
|
+$73.9M |
$1.5B
+1.3% YoY
|
$963.7M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
62% |
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| ROA |
0.9%
-19.4% YoY+2.9% QoQ
|
+0.2% |
0.7%
+13.4% YoY
|
0.7%
-9.7% YoY
|
0.7%
+273.4% YoY
|
71% |
| NIM |
3.4%
-1.4% YoY+1.7% QoQ
|
+0.2% |
3.3%
+9.3% YoY
|
3.4%
+0.9% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
74.4%
+7.2% YoY+0.4% QoQ
|
+0.4% |
74.0%
-10.9% YoY
|
76.5%
-1.9% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.2%
+8.8% YoY-28.1% QoQ
|
-0.6 |
0.8%
+6.1% YoY
|
0.6%
+40.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 6.9% in tier |
| Loan To Share |
96.5%
+0.1% YoY+0.9% QoQ
|
+11.3% |
85.2%
-0.8% YoY
|
76.0%
+1.5% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$30,069
+3.6% YoY+0.7% QoQ
|
+$896 |
$29,172
+2.8% YoY
|
$25,778
+8.7% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration |
28.1%
+7.3% YoY-1.9% QoQ
|
-0.9% |
29.0%
+0.7% YoY
|
31.0%
+18.0% YoY
|
19.6%
+6.2% YoY
|
47% |
| Indirect Auto % |
33.6%
+20.5% YoY+5.6% QoQ
|
+14.9% |
18.8%
-3.0% YoY
|
17.3%
+16.5% YoY
|
7.9%
-2.9% YoY
|
81% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)