ST. MARY'S

Charter #67864 | MA

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

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

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 19.7% 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
  • - Growth-at-Risk: 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
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
 Bottom 17.1% in tier
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
 64th in tier
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
 52nd in tier
CD Concentration 33.7%
+5.8% YoY+1.0% QoQ
 +4.8% 29.0%
+0.8% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 73rd in tier
Indirect Auto % 29.5%
-6.8% YoY-3.1% QoQ
 +10.7% 18.8%
-2.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 74th in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#105 of 184 • Top 19.7% in tier

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

Why This Signature
Return on Assets: 0.33%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 4.22%
(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 | New qualifier

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: 18.80%, 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: 73.45%, 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: 18.80%, 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

Growth-at-Risk

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: 86.35%, 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)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

6
Total Delinquency Rate (60+ days)
risk
Value: 0.09%
Peer Avg: 0.83%
#6 of 304 Top 1.6% in 1B-3B tier
15
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: 0.60%
#15 of 304 Top 4.6% in 1B-3B tier
33
Members Per Employee (MPE)
engagement
Value: 464.000
Peer Avg: 364.953
#33 of 304 Top 10.5% in 1B-3B tier

Top Weaknesses (10 metrics)

302
Total Assets
balance_sheet
Value: $1.00B
Peer Avg: $1.72B
#302 of 304 Bottom 1.0% in 1B-3B tier
301
Total Deposits
balance_sheet
Value: $828.81M
Peer Avg: $1.45B
#301 of 304 Bottom 1.3% in 1B-3B tier
297
Fee Income Per Member
profitability
Value: $80.04
Peer Avg: $210.52
#297 of 304 Bottom 2.6% in 1B-3B tier
281
Efficiency Ratio
profitability
Value: 85.82%
Peer Avg: 73.97%
#281 of 304 Bottom 7.9% in 1B-3B tier
280
Net Interest Margin (NIM)
profitability
Value: 2.44%
Peer Avg: 3.26%
#280 of 304 Bottom 8.2% in 1B-3B tier
269
Total Members
engagement
Value: 57,536
Peer Avg: 98,678
#269 of 304 Bottom 11.8% in 1B-3B tier
267
Total Loans
balance_sheet
Value: $767.07M
Peer Avg: $1.23B
#267 of 304 Bottom 12.5% in 1B-3B tier
252
Return on Assets (ROA)
profitability
Value: 0.33%
Peer Avg: 0.70%
#252 of 304 Bottom 17.4% in 1B-3B tier
250
AMR Growth Rate
growth
Value: -1.66%
Peer Avg: 3.29%
#250 of 304 Bottom 18.1% in 1B-3B tier
235
Asset Growth Rate
growth
Value: 0.54%
Peer Avg: 4.83%
#235 of 304 Bottom 23.0% in 1B-3B tier