credit union

St. Mary's

Marlborough, MA · Est. 1913
A
Trust Grade
Excellent
Score: 90/100

St. Mary's is a credit union based in Marlborough, Massachusetts, established in 1913, with $1.0 billion in total assets serving 56,730 members. By Trust Grade it ranks 71st of 122 credit unions we track in Massachusetts. Its net worth ratio of 11.4% is stronger than 63% of similarly sized credit unions, versus a Massachusetts median of 12%. It was profitable over the most recent period, with a 0.19% return on assets. No consumer complaints against St. Mary's appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$1.0B
$1B–10B institution
Members
56,730
Shares & deposits
—
Net worth ratio
11.4%
Top 37% of $1B–10B peers · Massachusetts median 12%
Return on assets
0.2%
Bottom 8% of $1B–10B peers · Massachusetts median 0.55%
Rank in Massachusetts
#71
of 122 credit unions

How St. Mary's compares to Massachusetts peers

Net worth ratio
Top 37% of $1B–10B peers
St. Mary's
11.4%
Massachusetts median
12.0%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 8% of $1B–10B peers
St. Mary's
0.2%
Massachusetts median
0.6%
Higher ROA = more profitable relative to asset base

How we graded St. Mary's

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
90/100
Customer experience
n/a
Overall
A · 90
  • Strongly capitalized (11.4% capital ratio)
  • Profitable (ROA 0.19%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for St. Mary's over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at St. Mary's insured?

Yes. St. Mary's is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

St. Mary's: frequently asked questions

Is St. Mary's a good credit union?

St. Mary's earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Strongly capitalized (11.4% capital ratio); Profitable (ROA 0.19%).

Is St. Mary's NCUA-insured?

Yes. St. Mary's is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is St. Mary's?

St. Mary's holds $1.0 billion in total assets, ranking 71st of 122 credit unions we track in Massachusetts. It serves 56,730 members.

Does St. Mary's have CFPB complaints?

No CFPB complaints against St. Mary's appear in our data over the analysis window, which is typical for a credit union of this size.

Similar Credit Unions

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credit union · Shrewsbury, MA · $883M assets
All One
credit union · Leominster, MA · $864M assets
Liberty Bay
credit union · Braintree, MA · $840M assets
Harvard
credit union · Cambridge, MA · $1.2B assets
Direct
credit union · Needham, MA · $790M assets · 5 complaints
Polish National
credit union · Chicopee, MA · $765M assets

Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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