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
- PHOTO 94/100
- BOOK 11.4%
- CHARTER 0.08%
- NCUSIF 0.19%
- CAMELS $1.04B
- HEALTH 57,657
- NW #522/4,374
- DELQ 4FRONT
- ROA 67864
Call Report peers
St. Mary's in the assets neighbourhood
St. Mary's's $1.04B assets sit next to 4FRONT ($1.04B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Charter #67864's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
St. Mary's Call Report trajectory
St. Mary's: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $1.04B (2025Q4) to $1.04B (2026Q1).
- Net-worth ratio shifted -0.03 pp (11.45% → 11.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
St. Mary's's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.04B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is St. Mary's financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, St. Mary's carries a financial health score of 94/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #522 of 4,374; by total assets it ranks #459 of 4,374 nationally (same basis as /rankings/largest); and #13 of 126 within Massachusetts. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.42% net worth ratio and a 0.08% delinquency rate.
How does St. Mary's compare to other credit unions?
On PlainCU's health composite, St. Mary's lands at 94/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like St. Mary's are 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."
What rates does St. Mary's offer compared to banks?
Credit unions like St. Mary's are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact St. Mary's directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.