ST. MARY'S
Charter #67864 · MARLBOROUGH, MA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.19% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 2.60% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.07% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.09% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.45% sits at the 90th percentile of structural peers — worth a closer look.
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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.04B | 3th pct | 57th pct |
| Members | 56,730 | 8th pct | 48th pct |
| Net worth ratio | 11.42% | 64th pct | 66th pct |
| Return on average assets | 0.19% | 8th pct | 11th pct |
| Net interest margin | 2.60% | 12th pct | 8th pct |
| Cost of funds | 2.11% | 68th pct | 72th pct |
| Loan-to-share | 88.49% | 56th pct | 51th pct |
| Delinquency 60+ days | 0.07% | 1th pct | 2th pct |
| Net charge-off ratio | 0.09% | 5th pct | 8th pct |
| Loan growth YoY | -1.06% | 13th pct | 17th pct |
| Share growth YoY | 3.48% | 38th pct | 52th pct |
| Efficiency ratio | 90.45% | 97th pct | 90th pct |
structural peer set hash: 9523db6396d364570e6a7b502f93be14… (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.