BlastPoint's Credit Union Scorecard
ST. MARY'S BANK
Charter #63829 · NH
ST. MARY'S BANK has 4 strengths but faces 6 concerns
How does the industry compare?
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How does NH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 27.6% in tier
- + Organic Growth Engine: Top 38.2% in tier
- + ROA 0.22% above tier average
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 34.5% in tier
- - Credit Risk Growth: Bottom 36.2% in tier
- - Indirect Auto Dependency: Bottom 37.4% in tier
- - Credit Quality Pressure: Bottom 53.3% in tier
- - Margin Compression: Bottom 72.2% in tier
- - Efficiency ratio 1.37% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
100,305
+4.9% YoY+0.4% QoQ
|
+2.9K |
97,431
-2.4% YoY
|
70,033
+11.3% YoY
|
33,374
+5.7% YoY
|
61% |
| Assets |
$1.7B
+7.4% YoY+1.3% QoQ
|
+$12.1M |
$1.7B
+0.9% YoY
|
$1.1B
+17.2% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$1.5B
+9.2% YoY+1.5% QoQ
|
+$263.6M |
$1.2B
+0.5% YoY
|
$907.6M
+17.0% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$1.5B
+6.6% YoY+1.1% QoQ
|
+$85.3M |
$1.5B
+0.9% YoY
|
$990.9M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
0.9%
-17.6% YoY-2.8% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.8%
-4.7% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
3.4%
+0.3% YoY+0.4% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.4%
+0.4% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
75.4%
+6.8% YoY+1.4% QoQ
|
+1.4% |
74.1%
-9.5% YoY
|
76.4%
-1.4% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.4%
+38.6% YoY+77.9% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
0.7%
+50.4% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
97.0%
+2.4% YoY+0.5% QoQ
|
+12.2% |
84.8%
-0.8% YoY
|
74.1%
-1.1% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$30,334
+2.8% YoY+0.9% QoQ
|
+$905 |
$29,428
+2.4% YoY
|
$26,084
+9.1% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
28.8%
+3.6% YoY+2.4% QoQ
|
-0.2% | 29.0% | 31.6% | 19.8% | 52% |
| Indirect Auto % |
33.9%
+17.5% YoY+0.7% QoQ
|
+15.5% | 18.3% | 17.0% | 7.8% | 81% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)