St. Mary's Bank Credit Union

200 McGregor St
Manchester, NH 03102
(603) 669-4600
www.stmarysbank.com

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St. Mary's Bank Credit Union is headquartered in Manchester and is the 2^nd largest credit union in the state of New Hampshire. It is also the 279^th largest credit union in the nation. It was established in 1909 and as of December of 2011, it had grown to 169 employees and 80,854 members. St. Mary's Bank Credit Union has a 5-star health rating.

St. Mary's Bank's Apple iPad Raffle (Forum) - 11/6/2010

Want to own an Apple iPad? This appears to be an easy sweepstakes to enter. According to the official rules, it's nationwide. Entry form Official Rules For 16 GB iPad with Wi-Fi + 3GRaffle Credit for the find goes to SD member FreebiesRGreat who post

The Oldest Credit Union And Its Bizarre Name (Forum) - 11/6/2010

I came across St. Mary's Bank when I heard about its iPad sweepstakes. What I found very interesting is that St. Mary's Bank is NOT a bank. It's a New Hampshire credit union insured by the NCUA. This is the only credit union that I have seen with "bank"

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See Rates for: Checking | Savings | Money Market | CD | IRA

St. Mary's Bank Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	-	-	Beyond Rewards Checking
0.10%	-	-	Community Checking
0.05%	-	-	Beyond Interest Checking

St. Mary's Bank Credit Union Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	IRA Savings
0.50%	$1k	-	Health Savings Account
0.50%	-	-	Summer Club
0.50%	-	-	Back to School Club
0.35%	$75k	-	Business Cash Management Sweep Account
0.25%	-	-	Christmas Club
0.25%	-	-	Winter Club
0.20%	$5k	-	Beyond Rewards Savings
0.10%	-	-	Beyond Savings
0.10%	$2,500	-	Premium Business Savings
0.10%	-	-	Super Saver Kids Club

St. Mary's Bank Credit Union Money Market Rates

Apy	Min	Max	Product
0.45%	$50k	-	Beyond Rewards Money Market
0.45%	$75k	-	Business Money Market
0.35%	$50k	-	Beyond Money Market

St. Mary's Bank Credit Union CD Rates

Apy	Min	Max	Product
1.75%	$500	-	60 Month CD
1.50%	$500	-	48 - 59 Month CD
1.25%	$500	-	36 - 47 Month CD
1.10%	$500	-	30 Month Flex CD Promo
0.80%	$500	-	24 - 35 Month CD
0.50%	$500	-	12 - 23 Month CD
0.35%	$500	-	6 - 11 Month CD

St. Mary's Bank Credit Union IRA Rates

Apy	Min	Max	Product
1.75%	$500	-	60 Month IRA
1.50%	$500	-	48 - 59 Month IRA
1.25%	$500	-	36 - 47 Month IRA
0.80%	$500	-	24 - 35 Month IRA
0.50%	$500	-	12 - 23 Month IRA
0.35%	$500	-	6 - 11 Month IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

ST. MARY'S BANK
NCUA #	63829
BankRate Report	View
Year Chartered	1909
Employees	169
Primary Regulator
Assets and Liabilities
Assets	$717.70 million
Loans	$515.58 million
Deposits	$600.88 million
Equity Capital	$54.86 million
Loan Loss Allowance	$6.34 million
Unbacked Noncurrent Loans	$2.94 million
Real Estate Owned	$1.15 million
Historic Data - December 2010
Assets	$703.26 million
Equity Capital	$52.84 million
Loan Loss Allowance	$6.49 million
Unbacked Noncurrent Loans	$6.46 million
Real Estate Owned	$870,000
Profit Margin - Quarterly
Net Interest Margin	4.81%
Return on Assets	0.35%
Return on Equity	4.64%
Interest Income	$28.21 million
Non-Interest Income	$8.05 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 St. Mary's Bank Credit Union had $4.1 million in non-current loans and owned real-estate with $61.2 million in equity and loan loss allowances on hand to cover it. This gives St. Mary's Bank Credit Union a Texas Ratio of 6.70% 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 decreased significantly from 12.35% as of December 31, 2010 to 6.70% as of December 31, 2011, resulting in a positive change of 45.79%.This indicates that the balance sheet and financial strength for St. Mary's Bank Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, St. Mary's Bank Credit Union has increased its total deposits by $10.65 million, resulting in 1.8% 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 above average.
Capitalization
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 $717.7 million in assets with $61.2 million in equity, resulting in a capitalization level of 8.53%, which is average.