BlastPoint's Credit Union Scorecard

ST. MARY'S BANK

Charter #63829 · NH

Mid-Market 1B-3B

St. Mary's Bank at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

St. Mary's Bank is one of 101 credit unions in the 2026 VentureTech card set. We also found St. Mary's Bank's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET
VENTURETECH EDITION
St. Mary's Bank
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300 CUs in 1B-3B nationally 2 in NH
View Mid-Market leaderboard →

ST. MARY'S BANK has 4 strengths but faces 2 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

  • + ROA 0.18% above tier average
  • + Net Interest Margin 0.15% above tier average
  • + Strong member growth: 6.6% YoY
  • + Net Charge-Off Rate: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 14.1% in tier
  • - Indirect Auto Dependency: Bottom 35.5% in tier
WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

  1. 1 CLEAR Your card arrived By email from Collier at BlastPoint
  2. 2 YOU ARE HERE Open your pack Right here on your Scorecard
  3. 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
  4. 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
ADMIT ONE · PLAYER 1
Your printed pack
Where
The BlastPoint booth, Omni Fort Worth
Expo hall
Mon Nov 16 and Tue Nov 17
Pick a time to meet

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Members 104,461
+6.6% YoY+1.9% QoQ
 +7.6K 96,861
-1.9% YoY
 71,149
+11.0% YoY
 34,678
+6.6% YoY
 66%
Assets $1.8B
+6.9% YoY+2.7% QoQ
 +$74.1M $1.7B
+0.4% YoY
 $1.2B
+16.6% YoY
 $593.1M
+10.2% YoY
 62%
Loans $1.6B
+11.2% YoY+2.5% QoQ
 +$357.6M $1.2B
+0.7% YoY
 $948.3M
+16.3% YoY
 $418.6M
+10.1% YoY
 78%
Deposits $1.6B
+6.1% YoY+2.1% QoQ
 +$124.3M $1.5B
+0.5% YoY
 $1.0B
+16.6% YoY
 $504.8M
+10.3% 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 1.0%
+9.9% YoY+8.7% QoQ
 +0.2% 0.8%
+27.6% YoY
 0.9%
+33.3% YoY
 1.2%
+121.4% YoY
 71%
NIM 3.6%
+5.9% YoY+0.8% QoQ
 +0.2% 3.4%
+6.6% YoY
 3.5%
+1.7% YoY
 3.8%
+2.3% YoY
 58%
Efficiency Ratio 73.0%
-1.5% YoY-0.8% QoQ
 -0.1% 73.0%
-2.7% YoY
 75.7%
-2.9% YoY
 83.0%
-5.3% YoY
 46%
Delinquency Rate 0.3%
-8.5% YoY-10.7% QoQ
 -0.6 0.9%
+7.3% YoY
 0.6%
+13.9% YoY
 1.3%
+2.6% YoY
 Top 10.7% in tier
Loan To Share 100.3%
+4.8% YoY+0.4% QoQ
 +15.5% 84.7%
+0.1% YoY
 73.7%
+0.3% YoY
 66.4%
-1.4% YoY
 Top 12.0% in tier
AMR $30,437
+1.9% YoY+0.3% QoQ
 +$862 $29,575
+1.5% YoY
 $26,565
+8.3% YoY
 $20,028
-0.9% YoY
 62%
CD Concentration 30.2%
+5.3% YoY+5.9% QoQ
 +1.1% 29.1% 30.9% 20.0% 57%
Indirect Auto % 37.7%
+18.3% YoY+6.0% QoQ
 +19.6% 18.1% 17.2% 7.7% Bottom 12.3% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#10 of 82 • Top 31.2% 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: 1.00%
(Tier: 0.84%, National: 1.23%)
better than tier avg
Member Growth (YoY): 6.58%
(Tier: 3.16%, National: 15.67%)
better than tier avg
82 of 377 Mid-Market CUs have this signature | 283 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (2)

Liquidity Strain

risk
#30 of 168 • Bottom 14.1% in tier

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

Why This Signature
Loan-to-Share Ratio: 100.26%
(Tier: 85.94%, National: 66.39%)
but better than tier avg
Loan Growth (YoY): 11.22%
(Tier: 6.76%, National: 78.26%)
but better than tier avg
168 of 377 Mid-Market CUs have this signature | 432 nationally
→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#62 of 193 • Bottom 35.5% in tier

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

Why This Signature
Asset Growth (YoY): 6.90%
(Tier: 6.52%, National: 3.30%)
but better than tier avg
Indirect Auto %: 37.69%
(Tier: 18.08%, National: 7.71%)
worse than tier avg
Member Growth (YoY): 6.58%
(Tier: 3.16%, National: 15.67%)
but better than tier avg
193 of 377 Mid-Market CUs have this signature | 714 nationally
↓ Shrinking -10 CUs YoY | Rank worsening

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 300 peers in tier

Top Strengths (6 metrics)

28
Net Charge-Off Rate
risk
Value: 0.14%
Peer Median: 0.52%
#28 of 300 Top 9.0% in 1B-3B tier
33
Total Delinquency Rate (60+ days)
risk
Value: 0.31%
Peer Median: 0.70%
#33 of 300 Top 10.7% in 1B-3B tier
36
Member Growth Rate
growth
Value: 6.58%
Peer Median: 1.84%
#36 of 300 Top 11.7% in 1B-3B tier
36
Loan-to-Share Ratio
balance_sheet
Value: 100.26%
Peer Median: 87.07%
#36 of 300 Top 11.7% in 1B-3B tier
57
Loan Growth Rate
growth
Value: 11.22%
Peer Median: 5.71%
#57 of 300 Top 18.7% in 1B-3B tier
67
Total Loans
balance_sheet
Value: $1.59B
Peer Median: $1.14B
#67 of 300 Top 22.0% in 1B-3B tier

Top Weaknesses (2 metrics)

264
Indirect Auto Concentration (%)
balance_sheet
Value: 37.69%
Peer Median: 14.26%
#264 of 300 Bottom 12.3% in 1B-3B tier
227
Fee Income Per Member
profitability
Value: $164.59
Peer Median: $204.73
#227 of 300 Bottom 24.7% in 1B-3B tier
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