TellerScore

St. Mary'S Bank Credit Union is a federally insured state-chartered credit union headquartered in Manchester, New Hampshire, in business for about 117 years. At the end of Q2 2026 it reported $1.8B in total assets and $1.6B in member shares and deposits, with 8 offices.

Based on its Q2 2026 filing, St. Mary'S Bank Credit Union scores 68/100, which we describe as moderate. That is higher than 50% of 454 credit unions with $1 billion – $10 billion. Among 12 credit unions headquartered in New Hampshire, it ranks 6th. Its strongest component is problem-loan coverage (95/100; 2.7%), and its lowest is capital cushion (50/100; 9.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 9.96%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings59/100
Return on assets (annualized): 0.99%
Funding & liquidity58/100
Loans ÷ shares: 100.3% · 16.5% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.74%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (66 → 68), mostly because the funding & liquidity component weakened by 5 points.

TellerScore
656870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202470
Q4 202468
Q1 202567
Q2 202566
Q3 202568
Q4 202565
Q1 202666
Q2 202668
Net worth ratio
7.00%8.48%9.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.55%
Q3 20249.68%
Q4 20249.61%
Q1 20259.48%
Q2 20259.69%
Q3 20259.77%
Q4 20259.81%
Q1 20269.95%
Q2 20269.96%
Delinquent loans (60+ days)
0.22%0.32%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.32%
Q3 20240.22%
Q4 20240.31%
Q1 20250.24%
Q2 20250.33%
Q3 20250.24%
Q4 20250.43%
Q1 20260.34%
Q2 20260.31%
Return on assets
0.85%1.01%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.18%
Q3 20241.15%
Q4 20241.09%
Q1 20250.85%
Q2 20250.91%
Q3 20250.93%
Q4 20250.90%
Q1 20260.92%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.8B9.96%0.31%0.99%100.3%
Q1 202666$1.8B9.95%0.34%0.92%99.9%
Q4 202565$1.7B9.81%0.43%0.90%97.0%
Q3 202568$1.7B9.77%0.24%0.93%96.5%
Q2 202566$1.7B9.69%0.33%0.91%95.6%
Q1 202567$1.7B9.48%0.24%0.85%93.3%
Q4 202468$1.6B9.61%0.31%1.09%94.7%
Q3 202470$1.6B9.68%0.22%1.15%96.4%
Q2 202469$1.5B9.55%0.32%1.18%95.3%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.96%
29th
Problem loans0.31%
90th
Net charge-offs0.14%
91st
Return on assets0.99%
67th
Loans to deposits100.3%
13th
Uninsured deposits16.5%
9th
Loan-loss reserves0.00%
50th
Texas ratio2.7%
79th

Similar-size credit unions in New Hampshire

InstitutionScoreAssetsCapitalProblem loansCompare
Lighthouse Federal Credit UnionCredit union Dover, NH65 out of 100, Moderate$2.2B10.2%0.38%vs
Service Federal Credit UnionCredit union Portsmouth, NH52 out of 100, Below average$6.7B11.9%2.60%vs

Deposit insurance

Is my money safe at St. Mary'S Bank Credit Union?

Yes. St. Mary'S Bank Credit Union is a federally insured credit union (NCUA charter #63829). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 16.5% of shares and deposits ($262.0M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.96%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

St. Mary'S Bank Credit Union lists 8 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, St. Mary'S Bank Credit Union reported 1,537 home-loan applications under HMDA (LEI 549300YKOCNDPE0N7X40): 976 originated ($230,340,000 total), 329 denied, and 196 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
St. Mary'S Bank Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63829
RSSD ID
832694
Primary regulator
State + NCUA
Established
1909
Headquarters
200 McGregor St, Manchester, NH 03102
Employees
306

Quick answers

St. Mary'S Bank Credit Union: common questions

Is St. Mary'S Bank Credit Union NCUA insured?

Yes. St. Mary'S Bank Credit Union is a federally insured credit union (NCUA charter #63829). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is St. Mary'S Bank Credit Union's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does St. Mary'S Bank Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Manchester

InstitutionScoreAssetsCapitalProblem loansCompare
New Hampshire Postal Credit UnionCredit union Manchester, NH100 out of 100, Very strong$68.5M22.6%0.03%vs
Fidelity Personal Trust Company, FSBBank Merrimack, NH93 out of 100, Very strong$74.6M101.5%0.00%vs
New Hampshire Federal Credit UnionCredit union Concord, NH85 out of 100, Very strong$331.6M13.8%0.07%vs
Sugar River BankBank Newport, NH80 out of 100, Strong$424.3M14.1%0.33%vs
Haverhill BankBank Haverhill, MA77 out of 100, Strong$636.8M11.2%0.14%vs
Primary BankBank Bedford, NH73 out of 100, Strong$769.5M16.3%1.48%vs