BlastPoint's Credit Union Scorecard
ST. MARY'S
Charter #67864 · MA
ST. MARY'S has 3 strengths but faces 9 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 87.0% in tier
- + Total Delinquency Rate (60+ days): Top 1.0% in tier
- + Net Charge-Off Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 49.4% in tier
- - Indirect Auto Dependency: Bottom 81.0% in tier
- - Shrinking Wallet Share: Bottom 87.2% in tier
- - ROA 0.32% below tier average
- - Efficiency ratio 11.04% above tier (higher cost structure)
- - Total Deposits: Bottom 1.7% in tier
- - Fee Income Per Member: Bottom 2.6% in tier
- - Total Assets: Bottom 3.0% in tier
- - Net Interest Margin (NIM): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
57,657
+4.1% YoY+0.2% QoQ
|
-39.8K |
97,431
-2.4% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 12.3% in tier |
| Assets |
$1.0B
+3.3% YoY+3.1% QoQ
|
$-688.0M |
$1.7B
+0.9% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.6% in tier |
| Loans |
$761.1M
+1.2% YoY-0.8% QoQ
|
$-473.3M |
$1.2B
+0.5% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.3% in tier |
| Deposits |
$846.1M
+4.7% YoY+2.1% QoQ
|
$-613.2M |
$1.5B
+0.9% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.3% in tier |
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| ROA |
0.4%
+88.3% YoY+9.0% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
2.5%
+11.8% YoY+0.7% QoQ
|
-0.8% |
3.3%
+9.2% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.3% in tier |
| Efficiency Ratio |
85.1%
-7.4% YoY-0.8% QoQ
|
+11.0% |
74.1%
-9.5% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 8.9% in tier |
| Delinquency Rate |
0.1%
-47.2% YoY-17.5% QoQ
|
-0.8 |
0.9%
+6.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 1.0% in tier |
| Loan To Share |
90.0%
-3.4% YoY-2.8% QoQ
|
+5.2% |
84.8%
-0.8% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$27,876
-1.0% YoY+0.5% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
33.4%
+3.4% YoY-0.9% QoQ
|
+4.4% | 29.0% | 25.0% | 19.8% | 71% |
| Indirect Auto % |
28.4%
-7.5% YoY-3.9% QoQ
|
+10.1% | 18.3% | 2.4% | 7.8% | 73% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)