State credit union · Manchester, New Hampshire · NCUA charter #63829
St. Mary's Bank
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $1.74B
- Total assets
- 100,305
- Members
- 10.0%
- Net-worth ratio
St. Mary's Bank scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.74B; members 100,305; net-worth ratio 9.95%; health rank #207 of 4,374; healthier than 95th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#207 of 4,374 health · 2025Q4St. Mary's Bank · health 97/100 · $1.74B · 2025Q4
- RANK 97/100
- PHOTO 10.0%
- BOOK 0.43%
- CHARTER 1.01%
- NCUSIF $1.74B
- CAMELS 100,305
- HEALTH #207/4,374
- NW Unitus Community
- DELQ 63829
Call Report peers
St. Mary's Bank in the assets neighbourhood
St. Mary's Bank's $1.74B assets sit next to Unitus Community ($1.74B) 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 Bank 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
97 Top 5% higher than 95% 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 Bank - Share Insurance Coverage
Charter #63829'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.
Peer-gap read for St. Mary's Bank
- Largest favorable gap: Loan-to-Share Ratio at 96.98% vs peer 83.90% (+13.08 pp).
- Largest lag: Net Worth Ratio at 9.95% vs peer 11.18% (-1.23 pp).
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 Bank: in-state Call Report ranks
- New Hampshire health ordinal: #1 of 12.
- Assets rank #3 of 12 inside New Hampshire ($1.74B reported).
- Membership ranks #3 of 12 among New Hampshire CUs with a reported count (100,305 members).
In-state ordinals use the live credit_unions table for NH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
St. Mary's Bank: 2025Q4 → 2026Q1
St. Mary's Bank: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $1.74B (2025Q4) to $1.75B (2026Q1).
- Net-worth ratio shifted +0.14 pp (9.81% → 9.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.95%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.9 pts
- Loan-to-Share Ratio 12.2 pts
St. Mary's Bank health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.95% | -1.23 pp |
| Delinquency Rate | 0.43% | -0.45 pp |
| Return on Assets | 1.01% | +0.51 pp |
| Member Growth | 4.89% | - |
| Loan-to-Share Ratio | 96.98% | +13.08 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 Bank quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.75B | - |
| 2025Q4 | $1.74B | 100,305 |
| 2024Q4 | $1.62B | 95,625 |
| 2023Q4 | $1.50B | 93,108 |
Credit Union Details
- Charter Number
- 63829
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- New Hampshire
- City
- Manchester
- Data Quarter
- 2025Q4
Branch Locations (13)
St. Mary's Bank operates 13 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Manchester, NH |
| Concord Office | Concord, NH |
| Hudson | Hudson, NH |
| Londonderry | Londonderry, NH |
| Elm St | Manchester, NH |
| D.W. Highway | Manchester, NH |
| Hanover St | Manchester, NH |
| Perimeter Rd | Manchester, NH |
| Milford | Milford, NH |
| Nashua | Nashua, NH |
| Nashua NWBV | Nashua, NH |
| North Hampton | North Hampton, NH |
| Pease | Portsmouth, NH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Hampshire
Other federally-insured credit unions in New Hampshire, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for St. Mary's Bank - kept outside New Hampshire; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.74B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- St. Mary's Bank ranks #207 of 4,374 nationally on financial health and #1 of 12 in NH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LIGHTHOUSE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LIGHTHOUSE
- Rates and health both vary by institution, not just by state -- see how New Hampshire credit unions compare overall before assuming this one is typical. New Hampshire 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 Bank financially healthy?
Yes/no aside, the number is 97/100 (Excellent) - St. Mary's Bank's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #207 of 4,374; by total assets it ranks #288 of 4,374 nationally (same basis as /rankings/largest); and #3 of 12 within New Hampshire. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.95% net worth ratio and 0.43% delinquency rate are the key drivers.
How does St. Mary's Bank compare to other credit unions?
On PlainCU's health composite, St. Mary's Bank lands at 97/100, 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 Bank?
Membership eligibility for St. Mary's Bank 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 Bank directly for current membership requirements and application steps.
Is my money safe at St. Mary's Bank?
Federal credit unions like St. Mary's Bank 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 Bank's net worth ratio of 9.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Mary's Bank offer compared to banks?
Credit unions like St. Mary's Bank 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 Bank 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.