BlastPoint's Credit Union Scorecard
ST. MARY'S BANK
Charter #63829 · NH
ST. MARY'S BANK has 5 strengths but faces 2 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
- + Emerging Performer: Top 31.2% in tier
- + 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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 2 that size in New Hampshire.
- Shares and deposits +6.1% year over year ($1.59B in shares and deposits).
- Membership: 104,461 members, +6.6% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 1.00%.
- Efficiency ratio 72.95% vs a 73.02% peer average.
- Loan-to-share ratio 100.26% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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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| 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
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)