BlastPoint's Credit Union Scorecard

ST. MARY'S

Charter #67864 · MA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 10 in MA

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ST. MARY'S has 4 strengths but faces 12 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 5.3% in tier
+ Organic Growth Engine: Top 28.7% in tier
+ Total Delinquency Rate (60+ days): Top 1.6% in tier
+ Net Charge-Off Rate: Top 4.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 11.5% in tier
- Shrinking Wallet Share: Bottom 21.8% in tier
- Credit Quality Pressure: Bottom 24.7% in tier
- Indirect Auto Dependency: Bottom 28.2% in tier
- Credit Risk Growth: Bottom 28.6% in tier
- Liquidity Strain: Bottom 31.1% in tier
- ROA 0.37% below tier average
- Efficiency ratio 11.85% above tier (higher cost structure)
- Total Assets: Bottom 1.0% in tier
- Total Deposits: Bottom 1.3% in tier
- Fee Income Per Member: Bottom 2.6% in tier
- Net Interest Margin (NIM): Bottom 8.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	57,536 +4.2% YoY+1.4% QoQ	-41.1K	98,678 -1.9% YoY	27,447 +2.6% YoY	33,089 +6.1% YoY	Bottom 11.5% in tier
Assets	$1.0B +0.5% YoY-0.5% QoQ	$-715.2M	$1.7B +0.5% YoY	$440.2M +4.2% YoY	$547.7M +7.8% YoY	Bottom 0.7% in tier
Loans	$767.1M +1.0% YoY+1.1% QoQ	$-466.0M	$1.2B +0.5% YoY	$341.2M +2.4% YoY	$388.7M +8.6% YoY	Bottom 12.2% in tier
Deposits	$828.8M +3.9% YoY+0.1% QoQ	$-625.5M	$1.5B +1.3% YoY	$366.8M +5.5% YoY	$464.6M +9.3% YoY	Bottom 1.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +82.9% YoY+9.2% QoQ	-0.4%	0.7% +13.4% YoY	0.7% +17.3% YoY	0.7% +273.4% YoY	17%
NIM	2.4% +10.9% YoY+3.0% QoQ	-0.8%	3.3% +9.3% YoY	3.3% +3.8% YoY	3.7% +5.0% YoY	Bottom 7.9% in tier
Efficiency Ratio	85.8% -7.2% YoY-1.1% QoQ	+11.8%	74.0% -10.9% YoY	80.4% -4.7% YoY	79.1% -3.3% YoY	Top 7.9% in tier
Delinquency Rate	0.1% +29.4% YoY+90.5% QoQ	-0.7	0.8% +6.1% YoY	0.9% -6.0% YoY	1.2% -0.9% YoY	Bottom 1.6% in tier
Loan To Share	92.6% -2.8% YoY+1.0% QoQ	+7.4%	85.2% -0.8% YoY	74.2% -1.7% YoY	68.0% -1.7% YoY	64%
AMR	$27,737 -1.7% YoY-0.8% QoQ	$-1K	$29,172 +2.8% YoY	$24,707 +3.7% YoY	$19,418 +1.3% YoY	52%
CD Concentration	33.7% +5.8% YoY+1.0% QoQ	+4.8%	29.0% +0.7% YoY	24.8% +8.8% YoY	19.6% +6.2% YoY	73%
Indirect Auto %	29.5% -6.8% YoY-3.1% QoQ	+10.8%	18.8% -3.0% YoY	2.6% -15.5% YoY	7.9% -2.9% YoY	74%

Signature Analysis

Strengths (2)

Credit Quality Leader

growth

#6 of 95 • Top 5.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.09%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Organic Growth Engine

growth

#209 of 246 • Top 28.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.22%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.33%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 29.53%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Concerns (6)

Efficiency Drag

risk

#39 of 96 • Bottom 11.5% in tier

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

Why This Signature

Efficiency Ratio: 85.82%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.07% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 4.22%

(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 improving

Shrinking Wallet Share

decline

#67 of 83 • Bottom 21.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.66%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | Rank improving

Credit Quality Pressure

risk

#190 of 217 • Bottom 24.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#175 of 202 • Bottom 28.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.54%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 29.53%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 4.22%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank improving

Credit Risk Growth

risk

#160 of 161 • Bottom 28.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.00%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Liquidity Strain

risk

#164 of 183 • Bottom 31.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.55%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 1.00%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (3 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Avg: -

#6 of 304 Top 1.6% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.07%

Peer Avg: -

#15 of 304 Top 4.6% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 464.000

Peer Avg: -

#33 of 304 Top 10.5% in 1B-3B tier

Top Weaknesses (10 metrics)

302

Total Assets

balance_sheet

Value: $1.00B

Peer Avg: -

#302 of 304 Bottom 1.0% in 1B-3B tier

301

Total Deposits

balance_sheet

Value: $828.81M

Peer Avg: -

#301 of 304 Bottom 1.3% in 1B-3B tier

297

Fee Income Per Member

profitability

Value: $80.04

Peer Avg: -

#297 of 304 Bottom 2.6% in 1B-3B tier

281

Efficiency Ratio

profitability

Value: 85.82%

Peer Avg: -

#281 of 304 Bottom 7.9% in 1B-3B tier

280

Net Interest Margin (NIM)

profitability

Value: 2.44%

Peer Avg: -

#280 of 304 Bottom 8.2% in 1B-3B tier

269

Total Members

engagement

Value: 57,536

Peer Avg: -

#269 of 304 Bottom 11.8% in 1B-3B tier

267

Total Loans

balance_sheet

Value: $767.07M

Peer Avg: -

#267 of 304 Bottom 12.5% in 1B-3B tier

252

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Avg: -

#252 of 304 Bottom 17.4% in 1B-3B tier

250

AMR Growth Rate

growth

Value: -1.66%

Peer Avg: -

#250 of 304 Bottom 18.1% in 1B-3B tier

235

Asset Growth Rate

growth

Value: 0.54%

Peer Avg: -

#235 of 304 Bottom 23.0% in 1B-3B tier