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St. Mary's

Marlborough, MA · Charter 67864

NCUA · 8 branches

Q2 2026

$1.0BAssets
$756.8MLoans
$854.9MShares
$119.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.25%, down 5 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.08% of loans (+3 bps YoY).
  • Capital: net worth / assets of 11.69%, up 15 bps from a year ago.
  • Funding: loans stand at 88.52% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.25%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.68%+31 bps YoY

Efficiency Ratio (YTD, annualized)

89.94%+319 bps YoY

Net Worth / Assets

11.69%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.33%0.36%0.19%0.25%-5 bps
Return on Equity2.63%2.84%3.11%1.63%2.18%-45 bps
Net Interest Margin2.37%2.45%2.42%2.59%2.68%+31 bps
Efficiency Ratio86.75%85.82%85.10%90.45%89.94%+319 bps
Growth
Asset Growth (YoY)1.76%0.54%3.26%3.18%1.64%-12 bps
Loan Growth (YoY)1.62%1.00%1.17%1.69%-0.27%-189 bps
Share Growth (YoY)2.64%3.89%4.74%3.53%3.23%+58 bps
Asset Quality
Delinquent Loans / Loans0.05%0.09%0.08%0.07%0.08%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.54%11.69%11.45%11.42%11.69%+15 bps
Net Worth / Assets11.54%11.69%11.45%11.42%11.69%+15 bps
Liquidity & Funding
Loans / Shares91.62%92.55%89.95%88.49%88.52%-310 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps