# ST. MARY'S BANK
Manchester, NH · NCUA charter 63829 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-mary-s-bank-63829

Who the members are: state charter, organized 1909. 102,473 members of 800,000 potential (12.8% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.75B |
| Members | 102,473 (5.5% YoY) |
| Full-time staff | 293 |
| Net worth | $174.3M |
| Net worth ratio | 9.9% (p32 of band) |
| ROA (annualized) | 0.92% (p68 of band) |
| Total delinquency | 0.34% (p20 of band) |
| Net charge-offs (annualized) | 0.16% (p12 of band) |
| Loans / shares | 100% (p89 of band) |
| Cash / assets | 5.3% |
| Borrowings / assets | 0.01% |
| Net interest margin | 3.55% (p66 of band) |
| Operating expense / assets | 3.27% (p53 of band) |
| Vehicles % of loans | 40% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 90% |
| Third-party paper % of net worth | 320% (p87 of band) |
| Vehicle delinquency | 0.24% (p14 of band) |
| Vehicle NCO | 0.25% (p7 of band) |
| Repossessed % of vehicle book | 0.01% (p27 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 109% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 29% |
| Average share balance | $7,410 |
| Participations bought / yr | $16.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $24.4M |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $36,822 |
| Loans granted, annualized | $746.2M |

## Participation posture (from the same filings)

Bought $16.0M and sold $0 in the latest annualized quarter; $24.4M outstanding purchased (14.0% of net worth), $16.7M sold and retained. Sold in 7 and bought in 4 of the last 8 quarters. Shares 3.7% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 4 | leaning on borrowings |  |
| 2016-09 | 5 | net worth falling |  |
| 2016-12 | 3 |  | leaning on borrowings, net worth falling |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | leaning on borrowings |  |
| 2017-12 | 3 |  | leaning on borrowings |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | loans>95% of shares |
| 2018-12 | 3 | loans>95% of shares |  |
| 2019-03 | 2 |  | loans>95% of shares |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | loans>95% of shares |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | net worth falling, delinquency rising | loans>95% of shares |
| 2020-09 | 2 |  | net worth falling, delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 3 | members leaving | delinquency rising |
| 2023-03 | 4 | delinquency rising |  |
| 2023-06 | 3 |  | delinquency rising |
| 2023-09 | 2 |  | thin capital |
| 2023-12 | 3 | delinquency rising, loans>95% of shares | members leaving |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 1 |  | loans>95% of shares |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 2 | loans>95% of shares | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-14 [St. Mary's Bank Named SBA Credit Union Of The Year, Supporting New Hampshire Small Businesses - Patch](https://news.google.com/rss/articles/CBMiugFBVV95cUxPTWNfTFVHZ1d0ZzVoRm1LU202TXg5eXEyb2lmQXJ0RF9sTzM5TlJRWHFWMXJKTE9yaWphWGhrZ0MzanpnWXhTTnQ3QU1zQ3p5Q1UzTlJ6OGotUHgyQkZXOGVCWUJiMkg5QmZKQ2tOTHFna1FuSDZCMW1zYUwxSkhKbzNDOHBWLU9LRTVnWUd5YU5OYzhYUkNNLXFBbEVyZFFDVUF2U0FfLUp1LU1zSk40cHFuM2t0ZWlldmc?oc=5) · Patch
- 2020-09-02 [St. Mary’s Bank to expand in Nashua - nhbr.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE05MTkySkRIcjhpTEw3YnJ5MGs2WllSN2gwalZQZmlZYjJPNUZkN3dCZThmX1VMTU1oZnAxWEc2bF9KQ3JnaE9ZSS1CM1RmbEdYS3hxZTJKYkQyd01TV1FEbDdJMWZRUQ?oc=5) · nhbr.com
- 2023-01-03 [St. Mary’s Bank Inks Partnership with AKUVO to Automate Collections - Finovate](https://news.google.com/rss/articles/CBMikAFBVV95cUxNa1V4LV8talVGY2s2ZXNoNUozZjRTRXdRU2VWUmFYeVNpSk01QWo3UkUzMEZ5SWE1c0hlaFA2Zk1ZT1hkOGVGS2RKV0pBTll0eFR6dlVVQ00wNmU1U2R6NHFjaTZQV3hUU2VJRHBnYUVvRUtTQ01DWGxYNUNPV3ctbXl2aFpKMkc4WjVZSDlEVzc?oc=5) · Finovate
- 2022-05-19 [St. Mary’s Bank Celebrates Employee Longevity - Business NH Magazine](https://news.google.com/rss/articles/CBMilgFBVV95cUxNbkI0LW5PUnBmMWViZTlqNEZLc3R3MmJJMWNQRzFEakRLZlBTMjJxODVvM0hUVWR3WkMzY2RhUzA4WTh3NHhqOUVzX3Z0bHQwQnE5azdvLTFIOFRhVDNXMTRhZ0ctS0t5QzZCSEtHajZSVTRvcjBLWkRLS09jMmc4Qll6Y3hKRWxOVHM5ZnpKRS1LeGl5U2c?oc=5) · Business NH Magazine
- 2024-09-16 [Oldest credit union in U.S. keeps battling big banks, scamsters - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxOb2FOZnRuNUh1Nzliem45WXhubVJlNmpocDhmemxzNlptWTFfY0Q3WmkyWUd5bXc0Ul9GblpwanBBQ1M4YlFMblgxbjNlUmdnMVlISWwxZ0kyYmIzUHJWaUlqbHNuYmgycmE3OTNEU2dHQ0hlNGdFRnlGLXAySmQ4RGRLQTd6VEcwTExzem1ZM2dMUnhINUZpRC1DUEc?oc=5) · American Banker
- 2023-01-12 [Londonderry man takes lead at St. Mary's Bank - derrynews.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOV2htUXRvWnBiYlVzdkdySkpJRmtOcU5KQS1uV0ZQbm9ta01zcDRmS0hseWxsR2lBbWxzcVl1QmRKMUptNDBKMXFLQ3JxaURkc0xtLTVGM0d3cDFzcWxpRDlyakd2blJFbEh0OHllYlIzaUFjYkJGN09TYzk3QlZKeUtfbnR2alJ3aVUzLUhFQlQ1bFNsUDFER2VMYVozNUlxckNJMzRvR2xrbWk2Q21RQXUtT2VFX29STXZic0pvNHExZzA3UFlHZWVDd29rWWc0NEE?oc=5) · derrynews.com
- 2023-08-22 [St. Mary’s Bank Promotes Sivigny to Director of Commercial Banking - cutoday.info](https://news.google.com/rss/articles/CBMiswFBVV95cUxQbDN3Q3pDS0xpM2k2U2g0REp2YzJ5X0hhc2dHNUlwcFhmMlZpLUJrQ2xsQ0JqZWdtdHdoV0NVTFFZTzNiNm55LWtBV05TS1Nmck84UEcxc0xlUGpkSm00anBFWU03TGV0bF8tNDZVRzB5dkFEb0hDOXprMkJoMHdueWNFR2VIYXUwbDBEVV9tYmFPdzZpcTBmZjZpUGw5RjFnanlaNXRyeEZqdGlYbVg5RkZCYw?oc=5) · cutoday.info
- 2023-01-13 [Covey retires after 14 years as St. Mary’s CEO - nhbr.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE1INXM0UWpLT2otRHg2ekZiU3ptMmljcThKSExBVGY3aVRTNENPeERkaXlXMzlYXy0tVjhrYUJJSnlTa1A3bGpEQ2pFRXZnV3c3OG40bU1BT0RjckFwYXJEM2J3TE9LdnZRXzhXSXJjcFAxTzVM?oc=5) · nhbr.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63829 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/21.json (key "63829", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=63829
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide