BlastPoint's Credit Union Scorecard
ST. MARY
Charter #65636 · CO
ST. MARY has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.12% below tier average
- - Efficiency ratio 35.26% above tier (higher cost structure)
- - Delinquency rate 1.09% above tier average
- - Member decline: -5.1% YoY
- - Net Charge-Off Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,455
-5.1% YoY-5.0% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$7.9M
+6.9% YoY+1.1% QoQ
|
$-22.2M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$3.7M
+9.4% YoY+5.9% QoQ
|
$-12.1M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$6.5M
+9.3% YoY+1.6% QoQ
|
$-19.2M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
-0.5%
-36.5% YoY-12.6% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.8% in tier |
| NIM |
2.7%
+2.2% YoY-1.3% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.4% in tier |
| Efficiency Ratio |
117.8%
-8.6% YoY-2.1% QoQ
|
+35.3% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.5% in tier |
| Delinquency Rate |
2.6%
-37.2% YoY+44.7% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
56.7%
+0.1% YoY+4.3% QoQ
|
-3.9% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$6,999
+15.2% YoY+8.5% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
Bottom 15.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)