Marlborough, Massachusetts · Peer group 6
St. Mary's Credit Union
St. Mary's Credit Union holds $1.04B in assets across 56,730 members as of Q1 2026 — about $18K of assets per member, on a charter dating to 1913. Charter number 67864, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.04B |
|---|---|
| Total loans | $759.0M |
| Total shares (deposits) | $857.7M |
| Net worth | $119.1M |
| Members | 56,730 |
| Assets per member | $18K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.2% | |
|---|---|---|
| Loans | 1.7% | around the 32nd percentile of its peer group |
| Deposits | 3.5% | around the 40th percentile of its peer group |
| Members | 1.6% | around the 50th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 88.5% | around the 62nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.4% | around the 64th percentile of its peer group |
| Return on assets | 0.19% | around the 11th percentile of its peer group |
| Delinquency ratio | 0.07% | lower than 99% of its peer group |
| Cash / assets | 4.1% | around the 12th percentile of its peer group |
| Borrowings / assets | 8.2% | around the 87th percentile of its peer group |
What this page does not show
Everything above is St. Mary's Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Massachusetts — the comparison set a peer ratio is measured against.
- Central One Credit Union
Shrewsbury, MA
$882.7M · 39,109 members
- All One Credit Union
Leominster, MA
$864.4M · 36,606 members
- Liberty Bay Credit Union
Braintree, MA
$839.9M · 21,692 members
- Harvard Credit Union
Cambridge, MA
$1.25B · 58,845 members
- Direct Credit Union
Needham, MA
$789.8M · 23,538 members
- Polish National Credit Union
Chicopee, MA
$765.4M · 28,647 members
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