ST. MARY'S BANK

Charter #63829 | NH

1B-3B (304 CUs) Mid-Market (380 CUs)
2 1B-3B in NH

ST. MARY'S BANK has 7 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 3.8% in tier
  • + Relationship Depth Leader: Top 11.4% in tier
  • + Organic Growth Engine: Top 14.2% in tier
  • + Wallet Share Momentum: Top 22.2% 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
  • - Growth-at-Risk: 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
 59th in tier
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
 58th in tier
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
 72nd in tier
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
 62nd in tier
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
 71st in tier
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
 60th in tier
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
 48th in tier
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
 Top 20.4% in tier
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
 64th in tier
CD Concentration 28.1%
+7.3% YoY-1.9% QoQ
 -0.9% 29.0%
+0.8% YoY
 31.0%
+18.0% YoY
 19.6%
+6.2% YoY
 47th in tier
Indirect Auto % 33.6%
+20.5% YoY+5.6% QoQ
 +14.8% 18.8%
-2.8% YoY
 17.3%
+16.5% YoY
 7.9%
-2.9% YoY
 Top 19.3% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#21 of 184 • Top 3.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.93%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 4.83%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY

Relationship Depth Leader

growth
#83 of 264 • Top 11.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.64%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.0K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Engine

growth
#104 of 246 • Top 14.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.83%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.93%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 33.63%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Wallet Share Momentum

growth
#161 of 264 • Top 22.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.64%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk
#39 of 202 • Bottom 6.2% in tier

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

Why This Signature
Asset Growth (YoY): 8.82%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 33.63%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.83%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Strain

risk
#73 of 183 • Bottom 13.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 96.53%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.71%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Margin Compression

decline
#16 of 24 • Bottom 18.3% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.93%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.22% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $1.71B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 CUs YoY | New qualifier

Growth-at-Risk

risk
#121 of 161 • Bottom 21.6% in tier

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

Why This Signature
Loan Growth (YoY): 8.71%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk
#193 of 217 • Bottom 25.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 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)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

22
Total Delinquency Rate (60+ days)
risk
Value: 0.24%
Peer Avg: 0.83%
#22 of 304 Top 6.9% in 1B-3B tier
45
Net Charge-Off Rate
risk
Value: 0.20%
Peer Avg: 0.60%
#45 of 304 Top 14.5% in 1B-3B tier
57
Asset Growth Rate
growth
Value: 8.82%
Peer Avg: 4.83%
#57 of 304 Top 18.4% in 1B-3B tier
62
Loan-to-Share Ratio
balance_sheet
Value: 96.53%
Peer Avg: 85.19%
#62 of 304 Top 20.1% in 1B-3B tier
66
Deposit Growth Rate
growth
Value: 8.59%
Peer Avg: 5.58%
#66 of 304 Top 21.4% in 1B-3B tier
68
Member Growth Rate
growth
Value: 4.83%
Peer Avg: 2.20%
#68 of 304 Top 22.0% in 1B-3B tier

Top Weaknesses (1 metrics)

249
Indirect Auto Concentration (%)
balance_sheet
Value: 33.63%
Peer Avg: 18.32%
#249 of 304 Bottom 18.4% in 1B-3B tier