BlastPoint's Credit Union Scorecard

ST. MARY'S

Charter #67864 · MA

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

ST. MARY'S has 2 strengths but faces 8 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

+ Total Delinquency Rate (60+ days): Top 1.0% in tier
+ Net Charge-Off Rate: Top 6.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 4.2% in tier
- Credit Quality Pressure: Bottom 54.7% in tier
- Indirect Auto Dependency: Bottom 69.5% in tier
- Credit Risk Growth: Bottom 72.1% in tier
- ROA 0.53% below tier average
- Efficiency ratio 15.82% above tier (higher cost structure)
- Total Deposits: Bottom 2.6% in tier
- Fee Income Per Member: Bottom 4.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	56,730 +1.6% YoY-1.6% QoQ	-39.3K	96,048 -2.7% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	Bottom 12.1% in tier
Assets	$1.0B +3.2% YoY+0.7% QoQ	$-677.3M	$1.7B +0.4% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	Bottom 4.2% in tier
Loans	$759.0M +1.7% YoY-0.3% QoQ	$-454.8M	$1.2B +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	Bottom 12.4% in tier
Deposits	$857.7M +3.5% YoY+1.4% QoQ	$-607.9M	$1.5B +0.5% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	Bottom 2.3% 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	0.2% -23.4% YoY-48.3% QoQ	-0.5%	0.7% +27.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	Bottom 9.8% in tier
NIM	2.6% +14.3% YoY+5.6% QoQ	-0.8%	3.4% +6.2% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 9.8% in tier
Efficiency Ratio	90.4% +0.5% YoY+6.3% QoQ	+15.8%	74.6% -3.0% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 4.2% in tier
Delinquency Rate	0.1% +25.6% YoY-5.7% QoQ	-0.7	0.8% +6.9% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	Top 1.0% in tier
Loan To Share	88.5% -1.8% YoY-1.6% QoQ	+5.3%	83.2% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	60%
AMR	$28,497 +1.1% YoY+2.2% QoQ	$-1K	$29,652 +2.3% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	52%
CD Concentration	33.2% +1.4% YoY-0.6% QoQ	+4.4%	28.8%	25.2%	19.8%	70%
Indirect Auto %	27.2% -11.5% YoY-4.1% QoQ	+9.1%	18.1%	2.3%	7.7%	72%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#7 of 100 • Bottom 4.2% in tier

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

Why This Signature

Efficiency Ratio: 90.45%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.06% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 1.58%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#135 of 198 • Bottom 69.5% in tier

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

Why This Signature

Asset Growth (YoY): 3.18%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 27.21%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.58%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#208 of 225 • Bottom 54.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#181 of 183 • Bottom 72.1% in tier

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

Why This Signature

Loan Growth (YoY): 1.69%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

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 306 peers in tier

Top Strengths (3 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Median: 0.63%

#4 of 306 Top 1.0% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.51%

#20 of 306 Top 6.2% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 443.203

Peer Median: 345.077

#48 of 306 Top 15.4% in 1B-3B tier

Top Weaknesses (9 metrics)

299

Total Deposits

balance_sheet

Value: $857.66M

Peer Median: $1.31B

#299 of 306 Bottom 2.6% in 1B-3B tier

294

Efficiency Ratio

profitability

Value: 90.45%

Peer Median: 75.16%

#294 of 306 Bottom 4.2% in 1B-3B tier

293

Fee Income Per Member

profitability

Value: $85.81

Peer Median: $191.54

#293 of 306 Bottom 4.6% in 1B-3B tier

293

Total Assets

balance_sheet

Value: $1.04B

Peer Median: $1.51B

#293 of 306 Bottom 4.6% in 1B-3B tier

276

Return on Assets (ROA)

profitability

Value: 0.19%

Peer Median: 0.66%

#276 of 306 Bottom 10.1% in 1B-3B tier

276

Net Interest Margin (NIM)

profitability

Value: 2.59%

Peer Median: 3.37%

#276 of 306 Bottom 10.1% in 1B-3B tier

269

Total Members

engagement

Value: 56,730

Peer Median: 85,918

#269 of 306 Bottom 12.4% in 1B-3B tier

268

Total Loans

balance_sheet

Value: $758.96M

Peer Median: $1.11B

#268 of 306 Bottom 12.7% in 1B-3B tier

236

First Mortgage Concentration (%)

balance_sheet

Value: 43.21%

Peer Median: 33.05%

#236 of 306 Bottom 23.2% in 1B-3B tier