State credit union · MARLBOROUGH, Massachusetts · NCUA charter #67864
St. Mary's
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $1.04B
- Total assets
- 57,657
- Members
- 11.4%
- Net-worth ratio
St. Mary's scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.04B; members 57,657; net-worth ratio 11.42%; health rank #522 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#522 of 4,374 health · 2025Q4St. Mary's · health 94/100 · $1.04B · 2025Q4
Call Report peers
St. Mary's in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
St. Mary's vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); St. Mary's sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
St. Mary's vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 89.95% here, 83.90% peer average (+6.05 pp).
- Widest shortfall vs peers is Return on Assets: -0.32 pp (0.19% vs 0.51%).
St. Mary's in Massachusetts
- In Massachusetts, health place is #14 of 126 on the same NCUA-ratio sort used nationally.
- Massachusetts assets place: #13 of 126.
- Member book place in Massachusetts: #13 of 126.
- One place up in Massachusetts, MILLS42 (#13) ties at 94/100; one place down, Greater Springfield (#15) scores 93/100, 1 point lower.
St. Mary's Call Report trajectory
St. Mary's: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $1.04B (2025Q4) to $1.04B (2026Q1).
- Net-worth ratio shifted -0.03 pp (11.45% → 11.42%).
11.42% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
St. Mary's gives up 6 points in total. Return on Assets costs the most, 4.7 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.3 pts
- Member Growth 13.9 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for St. Mary's
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.42% | +0.24 pp |
| Delinquency Rate | 0.08% | -0.80 pp |
| Return on Assets | 0.19% | -0.32 pp |
| Member Growth | 4.08% | - |
| Loan-to-Share Ratio | 89.95% | +6.05 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
St. Mary's filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.04B | - |
| 2025Q4 | $1.04B | 57,657 |
| 2024Q4 | $1.00B | 55,399 |
| 2023Q4 | $992.8M | 53,541 |
Credit Union Details
- Charter Number
- 67864
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- MARLBOROUGH
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, St. Mary's runs 9 offices in 6 different cities across 2 states.
| Office | City |
|---|---|
| St. Mary's Credit Union/Loan Center (Main Office) | Marlborough, MA |
| St. Mary's Credit Union | Framingham, MA |
| St. Mary's Credit Union | Hudson, MA |
| St. Mary's Credit Union | Marlborough, MA |
| St. Mary's Credit Union | Marlborough, MA |
| St. Marys' Credit Union | Marlborough, MA |
| St. Mary's Credit Union | Northborough, MA |
| COCC | Southington, CT |
| St. Mary's Credit Union | Westborough, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for St. Mary's
Using this data
- St. Mary's ranks #522 of 4,374 nationally on financial health and #14 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- All One is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with All One
Frequently Asked Questions
Is St. Mary's financially healthy?
On its 2025Q4 NCUA 5300 filing, St. Mary's scores 94/100 (Excellent), with a 11.42% net worth ratio and 0.08% of loans delinquent. It ranks #522 of 4,374 nationally on health and #14 of 126 in Massachusetts.
How does St. Mary's compare to other credit unions?
St. Mary's scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.95% vs 83.90%). Its widest shortfall is return on assets (0.19% vs 0.51%).
How can I join St. Mary's?
Membership eligibility for St. Mary's depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact St. Mary's directly for current membership requirements and application steps.
Is my money safe at St. Mary's?
St. Mary's is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. St. Mary's's net worth ratio of 11.42% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.