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Overview / Commentary
200 McGregor St
Manchester, NH 03102

St. Mary's Bank Credit Union is headquartered in Manchester and is the 3rd largest credit union in the state of New Hampshire. It is also the 288th largest credit union in the nation. It was established in 1909 and as of March of 2014, it had grown to 182 employees and 87,963 members. St. Mary's Bank Credit Union has a A health rating.

Field of Membership Restrictions

Must purchase one share of capital stock for $5. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 St. Mary's Bank Credit Union had $2.27 million in non-current loans and owned real-estate with $66.05 million in equity and loan loss allowances on hand to cover it. This gives St. Mary's Bank Credit Union a Texas Ratio of 3.44% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for St. Mary's Bank Credit Union experienced no significant changes from 2.45% as of March 31, 2013 to 3.44% as of March 31, 2014, resulting in a negative change of 39.99%. This indicates that the balance sheet and financial strength for St. Mary's Bank Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, St. Mary's Bank Credit Union has increased its total deposits by $32.38 million, resulting in 4.98% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth St. Mary's Bank Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. St. Mary's Bank Credit Union has $796.27 million in assets with $66.05 million in equity, resulting in a capitalization level of 8.29%, which is average.

Institution Statistics

NCUA #63829
Year Chartered1909
Primary Regulator
Assets and Liabilities
Assets$796.27 million
Loans$596.03 million
Deposits$683.02 million
Equity Capital$60.26 million
Loan Loss Allowance$5.79 million
Unbacked Noncurrent Loans$2.23 million
Real Estate Owned$38,000
Historic Data - March 2013
Assets$760.09 million
Equity Capital$57.79 million
Loan Loss Allowance$6.35 million
Unbacked Noncurrent Loans$2.23 million
Real Estate Owned$102,000
Profit Margin - Quarterly
Net Interest Margin0.9%
Return on Assets0.21%
Return on Equity2.83%
Interest Income$5.76 million

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St. Mary's Bank Credit Union Savings Account Rates

0.25%$1k-Health Savings Account
0.25%$75k-Business Cash Management Sweep Account
0.20%--IRA Savings
0.15%$5k-Beyond Rewards Savings
0.15%--Christmas Club
0.15%--Winter Club
0.15%--Summer Club
0.15%--Back to School Club
0.05%--Beyond Savings
0.05%$2,500-Premium Business Savings
0.05%--Super Saver Kids Club

St. Mary's Bank Credit Union Money Market Rates

0.35%$75k-Beyond Rewards Money Market
0.30%$75k-Business Money Market
0.25%$75k-Beyond Money Market

St. Mary's Bank Credit Union Checking Account Rates

0.10%--Beyond Rewards Checking
0.05%--Beyond Interest Checking
0.05%--Community Checking

St. Mary's Bank Credit Union CD Rates

1.50%$500-60 Month CD
1.50%$500-42 Month CD Promo
1.20%$500-48 - 59 Month CD
0.90%$500-36 - 47 Month CD
0.75%$500-24 - 35 Month CD
0.50%$500-7 Month CD Promo
0.35%$500-12 - 23 Month CD
0.20%$500-6 - 11 Month CD

St. Mary's Bank Credit Union IRA Rates

1.50%$500-60 Month IRA
1.20%$500-48 - 59 Month IRA
0.90%$500-36 - 47 Month IRA
0.75%$500-24 - 35 Month IRA
0.35%$500-12 - 23 Month IRA
0.20%$500-6 - 11 Month IRA

St. Mary's Bank Credit Union Locations
Branch Office14 Spruce StNashua, NH 03060
Branch Office200 McGregor StManchester, NH 03102
Branch Office234 Elm StManchester, NH 03101
Branch Office207 Hooksett RdManchester, NH 031042649
Branch Office839 Hanover StManchester, NH 03104
Branch Office3 Winnhaven DrHudson, NH 030514746
Branch Office603 Nashua St Route 101AMilford, NH 03055
Branch Office50 Nashua Rd Londonderry SquareLondonderry, NH 03053