St. Mary's
Marlborough, MA · Charter 67864 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 8 branches
Q2 2026
$1.0BAssets
$756.8MLoans
$854.9MShares
$119.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 99% of credit unions $1B-$10B in assets (rank 4 of 435).
- Widest gap: efficiency ratio trails 97% of credit unions $1B-$10B in assets (rank 424 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.25%
Rank 399 of 435
Net Interest Margin
2.68%
Rank 381 of 435
Efficiency Ratio
89.94%
Rank 424 of 435
Equity / Assets
11.69%
Rank 159 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.25% | 0.55% | 0.81% | 1.14% | Beats 8% | 399 / 435 | | |
| Return on Equity | 2.18% | 5.12% | 7.41% | 9.70% | Beats 7% | 403 / 435 | | |
| Net Interest Margin | 2.68% | 3.01% | 3.39% | 3.75% | Beats 12% | 381 / 435 | | |
| Efficiency Ratio | 89.94% | 65.25% | 71.39% | 77.86% | Beats 3% | 424 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.45% | 0.69% | 1.05% | Beats 99% | 4 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.69% | 9.81% | 10.84% | 12.63% | Beats 63% | 159 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.69% | 9.81% | 10.84% | 12.63% | Beats 63% | 159 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.52% | 78.33% | 88.38% | 95.61% | 51st pctl | 215 / 435 | | |
| Loans / Assets | 73.78% | 67.69% | 74.58% | 80.80% | 46th pctl | 234 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |