BlastPoint's Credit Union Scorecard
ST. MARY'S
Charter #67864 · MA
ST. MARY'S has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
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 5.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 2.9% in tier
- - Credit Quality Pressure: Bottom 53.5% in tier
- - Indirect Auto Dependency: Bottom 79.3% in tier
- - ROA 0.57% below tier average
- - Efficiency ratio 16.92% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 3.3% in tier
- - Total Deposits: Bottom 3.7% in tier
- - Total Assets: Bottom 4.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Massachusetts.
- Shares and deposits +3.2% year over year ($855M in shares and deposits).
- Membership: 57,336 members, +1.0% vs a year ago.
- Delinquency rate 0.08%.
- Return on assets 0.25%.
- Efficiency ratio 89.94% vs a 73.02% peer average.
- Loan-to-share ratio 88.52% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
57,336
+1.0% YoY+1.1% QoQ
|
-39.5K |
96,861
-1.9% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
Bottom 12.7% in tier |
| Assets |
$1.0B
+1.6% YoY-1.6% QoQ
|
$-698.5M |
$1.7B
+0.4% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.7% in tier |
| Loans |
$756.8M
-0.3% YoY-0.3% QoQ
|
$-477.5M |
$1.2B
+0.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.0% in tier |
| Deposits |
$854.9M
+3.2% YoY-0.3% QoQ
|
$-608.4M |
$1.5B
+0.5% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.3% in tier |
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| ROA |
0.3%
-16.7% YoY+35.4% QoQ
|
-0.6% |
0.8%
+27.6% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 8.0% in tier |
| NIM |
2.7%
+12.3% YoY+2.6% QoQ
|
-0.8% |
3.4%
+6.6% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.0% in tier |
| Efficiency Ratio |
89.9%
+3.7% YoY-0.6% QoQ
|
+16.9% |
73.0%
-2.7% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.0% in tier |
| Delinquency Rate |
0.1%
+5.8% QoQ
|
-0.8 |
0.9%
+7.3% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Top 1.0% in tier |
| Loan To Share |
88.5%
-3.4% YoY+0.0% QoQ
|
+3.8% |
84.7%
+0.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$28,110
+0.5% YoY-1.4% QoQ
|
$-1K |
$29,575
+1.5% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
33.3%
-0.5% YoY+0.1% QoQ
|
+4.2% | 29.1% | 25.4% | 20.0% | 69% |
| Indirect Auto % |
26.4%
-13.4% YoY-3.0% QoQ
|
+8.3% | 18.1% | 2.4% | 7.7% | 72% |
Signature Analysis
Strengths (0)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)