St. Mary's CU (MA)

293 Boston Post Road West, PO Box 7
Marlborough, MA 01752
866-585-7628
www.stmaryscu.org

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St. Mary's CU (MA) is headquartered in Marlborough and is the 14^st largest credit union in the state of Massachusetts. It is also the 329^th largest credit union in the nation. It was established in 1913 and as of December of 2011, it had grown to 105 employees and 44,856 members. St. Mary's CU (MA) has a 5-star health rating.

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

St. Mary's CU (MA) Checking Account Rates

Apy	Min	Max	Product
1.75%	-	-	IOLTA Accounts
0.35%	$100k	-	High Rate Checking
0.15%	-	-	Go Business Plus Checking
0.15%	-	-	No-Fee Checking

St. Mary's CU (MA) Savings Account Rates

Apy	Min	Max	Product
0.40%	$100k	-	Ultra Savings Account
0.20%	-	-	Statement Account
0.20%	-	-	Passbook Account
0.20%	-	-	Christmas Statement
0.20%	-	-	Vacation Statement
0.20%	-	-	IRA Savings Account

St. Mary's CU (MA) Money Market Rates

Apy	Min	Max	Product
0.60%	$100k	-	Money Market Checking
0.60%	$100k	-	Business Money Market

St. Mary's CU (MA) CD Rates

Apy	Min	Max	Product
1.85%	$500	-	60 Month CD
1.85%	$100k	-	60 Month Jumbo CD
1.60%	$500	-	48 Month CD
1.60%	$100k	-	48 Month Jumbo CD
1.50%	$500	-	36 Month CD
1.50%	$100k	-	36 Month Jumbo CD
1.10%	$500	-	24 Month CD
1.10%	$100k	-	24 Month Jumbo CD
1.00%	$100k	-	30 Month Bump Up Jumbo CD
1.00%	$500	-	30 Month Bump Up CD
0.85%	$500	-	18 Month CD
0.85%	$100k	-	18 Month Jumbo CD
0.70%	$500	-	12 Month CD
0.70%	$100k	-	12 Month Jumbo CD
0.40%	$500	-	6 Month CD
0.40%	$100k	-	6 Month Jumbo CD
0.30%	$500	-	3 Month CD
0.30%	$100k	-	3 Month Jumbo CD

St. Mary's CU (MA) IRA Rates

Apy	Min	Max	Product
1.85%	$500	-	60 Month IRA
1.85%	$100k	-	60 Month Jumbo IRA
1.60%	$500	-	48 Month IRA
1.60%	$100k	-	48 Month Jumbo IRA
1.50%	$100k	-	36 Month IRA
1.50%	$100k	-	36 Month Jumbo IRA
1.10%	$500	-	24 Month IRA
1.10%	$100k	-	24 Month Jumbo IRA
1.00%	$100k	-	30 Month Bump Up Jumbo IRA
1.00%	$500	-	30 Month Bump Up IRA
0.85%	$500	-	18 Month IRA
0.85%	$100k	-	18 Month Jumbo IRA
0.70%	$500	-	12 Month IRA
0.70%	$100k	-	12 Month Jumbo IRA
0.40%	$500	-	6 Month IRA
0.40%	$100k	-	6 Month Jumbo IRA
0.30%	$100k	-	3 Month Jumbo IRA
0.30%	$500	-	3 Month IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

ST. MARY'S
NCUA #	67864
BankRate Report	View
Year Chartered	1913
Employees	105
Primary Regulator
Assets and Liabilities
Assets	$593.79 million
Loans	$386.90 million
Deposits	$523.50 million
Equity Capital	$69.54 million
Loan Loss Allowance	$2.53 million
Unbacked Noncurrent Loans	$2.90 million
Real Estate Owned	$140,000
Historic Data - December 2010
Assets	$581.07 million
Equity Capital	$66.06 million
Loan Loss Allowance	$2.26 million
Unbacked Noncurrent Loans	$1.61 million
Real Estate Owned	$116,000
Profit Margin - Quarterly
Net Interest Margin	3.6%
Return on Assets	0.44%
Return on Equity	3.75%
Interest Income	$21.63 million
Non-Interest Income	$3.48 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 CU (MA) had $3.04 million in non-current loans and owned real-estate with $72.07 million in equity and loan loss allowances on hand to cover it. This gives St. Mary's CU (MA) a Texas Ratio of 4.22% 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 CU (MA) held steady from 2.53% as of December 31, 2010 to 4.22% as of December 31, 2011, resulting in a negative change of 66.74%. This indicates that the balance sheet and financial strength for St. Mary's CU (MA) has held steady in recent periods.
Deposit Growth
In the past year, St. Mary's CU (MA) has increased its total deposits by $9.8 million, resulting in 1.91% 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 CU (MA) 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 CU (MA) has $593.79 million in assets with $72.07 million in equity, resulting in a capitalization level of 12.14%, which is excellent.

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