St. Mary's Bank
Manchester, NH · Charter 63829 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
$1.8BAssets
$1.6BLoans
$1.6BShares
$179.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of credit unions $1B-$10B in assets (rank 46 of 435).
- Widest gap: equity / assets trails 71% of credit unions $1B-$10B in assets (rank 307 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.99%
Rank 146 of 435
Net Interest Margin
3.53%
Rank 172 of 435
Efficiency Ratio
72.96%
Rank 240 of 435
Equity / Assets
9.96%
Rank 307 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.55% | 0.81% | 1.14% | Beats 66% | 146 / 435 | | |
| Return on Equity | 9.89% | 5.12% | 7.41% | 9.70% | Beats 76% | 103 / 435 | | |
| Net Interest Margin | 3.53% | 3.01% | 3.39% | 3.75% | Beats 60% | 172 / 435 | | |
| Efficiency Ratio | 72.96% | 65.25% | 71.39% | 77.86% | Beats 45% | 240 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.45% | 0.69% | 1.05% | Beats 90% | 46 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.96% | 9.81% | 10.84% | 12.63% | Beats 29% | 307 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.96% | 9.81% | 10.84% | 12.63% | Beats 29% | 307 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.26% | 78.33% | 88.38% | 95.61% | 86th pctl | 59 / 435 | | |
| Loans / Assets | 88.51% | 67.69% | 74.58% | 80.80% | 97th pctl | 14 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |