ST. MARY
Charter #65636 | CO
<100M
(2596 CUs)
Micro
($0-$500M)
29 <100M in CO
ST. MARY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.26% below tier average
- - Efficiency ratio 38.89% above tier (higher cost structure)
- - Delinquency rate 0.32% above tier average
- - Net Charge-Off Rate: Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,531
-1.2% YoY+0.1% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
41st in tier |
| Assets |
$7.8M
+5.2% YoY+3.0% QoQ
|
$-22.0M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
28th in tier |
| Loans |
$3.5M
+5.8% YoY+1.8% QoQ
|
$-12.3M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
26th in tier |
| Deposits |
$6.4M
+7.2% YoY+3.8% QoQ
|
$-19.1M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
28th in tier |
| ROA |
-0.6%
-34.6% YoY-13.3% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.2% in tier |
| NIM |
2.8%
+4.6% YoY+0.1% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.7% in tier |
| Efficiency Ratio |
120.3%
-9.2% YoY-2.6% QoQ
|
+38.9% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Top 4.3% in tier |
| Delinquency Rate |
1.8%
-55.1% YoY-1.8% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
Top 22.4% in tier |
| Loan To Share |
54.4%
-1.3% YoY-2.0% QoQ
|
-6.9% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
39th in tier |
| AMR |
$6,452
+8.0% YoY+3.0% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
359
AMR Growth Rate
growth
Value:
8.05%
Peer Avg: 4.67%
#359 of 2596
Top 13.8% in <100M tier
362
Members Per Employee (MPE)
engagement
Value:
510.333
Peer Avg: 365.701
#362 of 2596
Top 13.9% in <100M tier
413
Deposit Growth Rate
growth
Value:
7.22%
Peer Avg: 16.80%
#413 of 2596
Top 15.9% in <100M tier
482
Loan Growth Rate
growth
Value:
5.83%
Peer Avg: 59.01%
#482 of 2596
Top 18.5% in <100M tier
636
Asset Growth Rate
growth
Value:
5.23%
Peer Avg: 1.82%
#636 of 2596
Top 24.5% in <100M tier
Top Weaknesses (8 metrics)
2485
Efficiency Ratio
profitability
Value:
120.29%
Peer Avg: 81.39%
#2485 of 2596
Bottom 4.3% in <100M tier
2477
Net Charge-Off Rate
risk
Value:
2.38%
Peer Avg: 0.57%
#2477 of 2596
Bottom 4.6% in <100M tier
2383
Return on Assets (ROA)
profitability
Value:
-0.57%
Peer Avg: 0.68%
#2383 of 2596
Bottom 8.2% in <100M tier
2305
Fee Income Per Member
profitability
Value:
$2.75
Peer Avg: $182.96
#2305 of 2596
Bottom 11.2% in <100M tier
2267
Net Interest Margin (NIM)
profitability
Value:
2.78%
Peer Avg: 3.93%
#2267 of 2596
Bottom 12.7% in <100M tier
2253
Average Member Relationship (AMR)
engagement
Value:
$6,452
Peer Avg: $14,627
#2253 of 2596
Bottom 13.3% in <100M tier
2182
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,272
Peer Avg: $5,488
#2182 of 2596
Bottom 16.0% in <100M tier
2016
Total Delinquency Rate (60+ days)
risk
Value:
1.83%
Peer Avg: 1.51%
#2016 of 2596
Bottom 22.4% in <100M tier