St. Mary's Bank Credit Union
Total assets
$1.75B
▲ +4.5% YoY
Shares & deposits
$1.56B
▲ +3.7% YoY
Loans
$1.55B
▲ +10.9% YoY
Members
102,473
▲ +5.5% YoY
ROA (annualized)
0.92%
peers 0.71%
ROE (annualized)
9.23%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.1% | -0.6 pts |
| Share growth (YoY) | +3.7% | +4.9% | -1.2 pts |
| Loan growth (YoY) | +10.9% | +5.4% | +5.5 pts |
| ROA | 0.92% | 0.71% | +0.2 pts |
| ROE | 9.2% | 6.3% | +3.0 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
Profile
- Established
- 1909
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 200 Mcgregor St, Manchester, NH, 03102
- NCUA charter #
- 63829
- RSSD ID
- 832694
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.75B | $1.56B | $1.55B | $174.3M | $4.0M | 0.92% | 3.55% | 0.34% | 102,473 |
| Q4 2025 | $1.74B | $1.54B | $1.50B | $170.3M | $15.7M | 0.90% | 3.42% | 0.43% | 100,305 |
| Q3 2025 | $1.71B | $1.53B | $1.48B | $167.4M | $11.9M | 0.93% | 3.40% | 0.24% | 99,886 |
| Q2 2025 | $1.68B | $1.50B | $1.43B | $163.1M | $7.6M | 0.91% | 3.37% | 0.33% | 98,013 |
| Q1 2025 | $1.68B | $1.50B | $1.40B | $159.1M | $3.6M | 0.85% | 3.27% | 0.24% | 97,124 |
| Q4 2024 | $1.62B | $1.45B | $1.37B | $155.5M | $17.6M | 1.09% | 3.39% | 0.31% | 95,625 |
| Q3 2024 | $1.57B | $1.41B | $1.36B | $152.5M | $13.6M | 1.15% | 3.45% | 0.22% | 95,280 |
| Q2 2024 | $1.55B | $1.39B | $1.32B | $148.0M | $9.1M | 1.18% | 3.46% | 0.32% | 94,418 |
Loan mix (Q1 2026): real estate $715.1M · commercial $189.7M · consumer $644.1M · securities $25.0M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.71% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 6.3% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.32% | 66th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 73.0% | 51th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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