ST. ANNE'S

Charter #67605 | MA

1B-3B (304 CUs) Mid-Market (380 CUs)
10 1B-3B in MA

ST. ANNE'S has 9 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 10.7% in tier
  • + Emerging Performer: Top 17.2% in tier
  • + Relationship Depth Leader: Top 19.8% in tier
  • + Organic Growth Engine: Top 21.1% in tier
  • + Wallet Share Momentum: Top 25.2% in tier
  • + Strong member growth: 5.4% YoY
  • + Net Charge-Off Rate: Top 6.2% in tier
  • + Loan-to-Share Ratio: Top 8.6% in tier
  • + Loan Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.5% in tier
  • - Efficiency Drag: Bottom 11.2% in tier
  • - ROA 0.42% below tier average
  • - Efficiency ratio 9.90% above tier (higher cost structure)
  • - Fee Income Per Member: Bottom 2.3% in tier
  • - Net Interest Margin (NIM): Bottom 4.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 61,603
+5.4% YoY-0.3% QoQ
 -37.1K 98,678
-1.9% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 Bottom 15.5% in tier
Assets $1.4B
+9.0% YoY-0.8% QoQ
 $-330.3M $1.7B
+0.5% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 37th in tier
Loans $1.1B
+13.8% YoY-0.2% QoQ
 $-152.3M $1.2B
+0.5% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 47th in tier
Deposits $1.0B
+3.7% YoY+2.1% QoQ
 $-406.4M $1.5B
+1.3% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 Bottom 24.0% in tier
ROA 0.3%
+33.7% YoY+24.8% QoQ
 -0.4% 0.7%
+13.4% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 Bottom 13.5% in tier
NIM 2.2%
+1.1% YoY+1.6% QoQ
 -1.1% 3.3%
+9.3% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 4.3% in tier
Efficiency Ratio 83.9%
-4.4% YoY-1.3% QoQ
 +9.9% 74.0%
-10.9% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 Top 10.5% in tier
Delinquency Rate 0.4%
-31.4% YoY-26.5% QoQ
 -0.5 0.8%
+6.1% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 Bottom 18.4% in tier
Loan To Share 103.1%
+9.7% YoY-2.3% QoQ
 +17.9% 85.2%
-0.8% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 Top 8.9% in tier
AMR $34,555
+3.0% YoY+1.3% QoQ
 +$5K $29,172
+2.8% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 Top 17.1% in tier
CD Concentration 32.8%
+2.7% YoY+5.1% QoQ
 +3.8% 29.0%
+0.8% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 69th in tier
Indirect Auto % 7.5%
+269.8% YoY+3.7% QoQ
 -11.3% 18.8%
-2.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 29th in tier

Signature Analysis

Strengths (5)

Organic Growth Leader

growth
#43 of 138 • Top 10.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.36%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Emerging Performer

growth
#92 of 184 • Top 17.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.29%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 5.36%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Relationship Depth Leader

growth
#144 of 264 • Top 19.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.02%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.3K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Engine

growth
#154 of 246 • Top 21.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.36%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.29%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 7.46%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Wallet Share Momentum

growth
#183 of 264 • Top 25.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.02%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#9 of 183 • Bottom 1.5% in tier

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

Why This Signature
Loan-to-Share Ratio: 103.14%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 13.75%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Efficiency Drag

risk
#38 of 96 • Bottom 11.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.87%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.07% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 5.36%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 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 304 peers in tier

Top Strengths (9 metrics)

20
Net Charge-Off Rate
risk
Value: 0.11%
Peer Avg: 0.60%
#20 of 304 Top 6.2% in 1B-3B tier
27
Loan-to-Share Ratio
balance_sheet
Value: 103.14%
Peer Avg: 85.19%
#27 of 304 Top 8.6% in 1B-3B tier
29
Loan Growth Rate
growth
Value: 13.75%
Peer Avg: 5.27%
#29 of 304 Top 9.2% in 1B-3B tier
32
Members Per Employee (MPE)
engagement
Value: 466.689
Peer Avg: 364.953
#32 of 304 Top 10.2% in 1B-3B tier
33
Loan-to-Member Ratio (LMR)
engagement
Value: $17,545
Peer Avg: $13,213
#33 of 304 Top 10.5% in 1B-3B tier
52
Member Growth Rate
growth
Value: 5.36%
Peer Avg: 2.20%
#52 of 304 Top 16.8% in 1B-3B tier
52
Average Member Relationship (AMR)
engagement
Value: $34,555
Peer Avg: $29,172
#52 of 304 Top 16.8% in 1B-3B tier
55
Asset Growth Rate
growth
Value: 8.96%
Peer Avg: 4.83%
#55 of 304 Top 17.8% in 1B-3B tier
57
Total Delinquency Rate (60+ days)
risk
Value: 0.36%
Peer Avg: 0.83%
#57 of 304 Top 18.4% in 1B-3B tier

Top Weaknesses (8 metrics)

298
Fee Income Per Member
profitability
Value: $70.00
Peer Avg: $210.52
#298 of 304 Bottom 2.3% in 1B-3B tier
291
Net Interest Margin (NIM)
profitability
Value: 2.16%
Peer Avg: 3.26%
#291 of 304 Bottom 4.6% in 1B-3B tier
273
Efficiency Ratio
profitability
Value: 83.87%
Peer Avg: 73.97%
#273 of 304 Bottom 10.5% in 1B-3B tier
273
Net Worth Ratio
risk
Value: 8.99%
Peer Avg: 11.44%
#273 of 304 Bottom 10.5% in 1B-3B tier
263
Return on Assets (ROA)
profitability
Value: 0.29%
Peer Avg: 0.70%
#263 of 304 Bottom 13.8% in 1B-3B tier
257
Total Members
engagement
Value: 61,603
Peer Avg: 98,678
#257 of 304 Bottom 15.8% in 1B-3B tier
238
First Mortgage Concentration (%)
balance_sheet
Value: 44.18%
Peer Avg: 34.01%
#238 of 304 Bottom 22.0% in 1B-3B tier
231
Total Deposits
balance_sheet
Value: $1.05B
Peer Avg: $1.45B
#231 of 304 Bottom 24.3% in 1B-3B tier