ST. MARY'S BANK
Charter #63829 · Manchester, NH · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.34% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.16% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ST. MARY'S BANK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.75B | 39th pct | 51th pct |
| Members | 102,473 | 43th pct | 44th pct |
| Net worth ratio | 9.95% | 31th pct | 44th pct |
| Return on average assets | 0.92% | 67th pct | 66th pct |
| Net interest margin | 3.56% | 64th pct | 56th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 99.86% | 89th pct | 79th pct |
| Delinquency 60+ days | 0.34% | 19th pct | 15th pct |
| Net charge-off ratio | 0.16% | 11th pct | 5th pct |
| Loan growth YoY | 5.27% | 84th pct | 82th pct |
| Share growth YoY | 1.77% | 16th pct | 12th pct |
| Efficiency ratio | 73.51% | 53th pct | 54th pct |
structural peer set hash: f7a1c21a92c067e17a2ecb573d7c9d3b… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.