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The Lender Report built this page from public records. ST. Mary's Bank Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about ST. Mary's Bank Credit Union itself. Each figure shows its source and date. Work at ST. Mary's Bank Credit Union? You can claim this page for free.
Credit union, Manchester, NH
ST. Mary's Bank Credit Union
A credit union based in Manchester, NH. Its commercial book is led by non-owner-occupied CRE and multifamily. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $177M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 21
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 54
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.80B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 603-669-4600 From the NCUA record, June 30, 2026.
- Website
- www.stmarysbank.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- stmarysbank.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- ST. MARY'S BANK; The Mortgage Center-St Mary's Bank; St Mary's Financial Services; St Mary's BankNCUA 5300,
- Address
- 200 McGregor St, Manchester, NH 03102NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. ST. Mary's Bank Credit Union's Construction balance rose 43.1% to $5M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 13 under Preferred Lender authority, 34 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | New Hampshire | SBA 7(a), Other Personal Care Services | $500K | 7.5% | 10 yr | SBA FOIA | |
| Sep 2026 | New Hampshire | SBA 7(a), Fuel Dealers | $350K | 7.75% | 2 yr | SBA FOIA | |
| Jun 2026 | New Hampshire | SBA 7(a), Professional, Scientific, and Technical Services | $500K | 7.25% | 1 yr | SBA FOIA | |
| Jun 2026 | New Hampshire | SBA 7(a), Real Estate and Rental and Leasing | $320K | 7% | 10 yr | SBA FOIA | |
| Apr 2026 | New Hampshire | SBA 7(a), Used Car Dealers | $220K | 7% | 10 yr | SBA FOIA | |
| Mar 2026 | New Hampshire | SBA 504, Plumbing, Heating, and Air-Conditioning Contractors | $700K | 25 yr | SBA FOIA | ||
| Mar 2026 | New Hampshire | SBA 7(a), Retail Trade | $75K | 6.75% | 7 yr | SBA FOIA | |
| Mar 2026 | New Hampshire | SBA 7(a), Roofing Contractors | $68K | 9.5% | 4 yr | SBA FOIA | |
| Mar 2026 | New Hampshire | SBA 7(a), Solid Waste Collection | $68K | 8.5% | 6 yr | SBA FOIA | |
| Mar 2026 | New Hampshire | SBA 7(a), Roofing Contractors | $25K | 9.75% | 1 yr | SBA FOIA | |
| Feb 2026 | New Hampshire | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $50K | 8.75% | 1 yr | SBA FOIA | |
| Jan 2026 | New Hampshire | SBA 504, Health Care and Social Assistance | $350K | 25 yr | SBA FOIA | ||
| Jan 2026 | New Hampshire | SBA 7(a), Sign Manufacturing | $250K | 6.75% | 2 yr | SBA FOIA | |
| Jan 2026 | New Hampshire | SBA 7(a), Landscaping Services | $170K | 7% | 5 yr | SBA FOIA | |
| Dec 2025 | New Hampshire | SBA 7(a), All Other Professional, Scientific, and Technical Services | $4.2M | 6.75% | 10 yr | SBA FOIA | |
| 2025 | Rockingham County, NH | Cash-out refinance, 5 to 24 units | $2.2M | 6.75% | 10 yr | 56% | HMDA 2025 |
| 2025 | Hillsborough County, NH | Purchase, 5 to 24 units | $1.5M | 7.03% | 10 yr | 77% | HMDA 2025 |
| 2025 | Worcester County, MA | Cash-out refinance, 5 to 24 units | $720K | 7.03% | 10 yr | 57% | HMDA 2025 |
| 2025 | Hillsborough County, NH | Purchase, 5 to 24 units | $700K | 6.58% | 10 yr | 75% | HMDA 2025 |
| 2025 | Belknap County, NH | Purchase, 5 to 24 units | $600K | 6.45% | 10 yr | 75% | HMDA 2025 |
| 2025 | Belknap County, NH | Purchase, 5 to 24 units | $520K | 6.69% | 10 yr | 75% | HMDA 2025 |
| 2025 | Hillsborough County, NH | Cash-out refinance, 5 to 24 units | $420K | 6.26% | 15 yr | 23% | HMDA 2025 |
| 2025 | Merrimack County, NH | Improvement, 5 to 24 units | $260K | 6.37% | 10 yr | 22% | HMDA 2025 |
| Dec 2025 | New Hampshire | SBA 7(a), Child Care Services | $180K | 7% | 10 yr | SBA FOIA | |
| Dec 2025 | New Hampshire | SBA 7(a), All Other Specialty Trade Contractors | $140K | 6.25% | 10 yr | SBA FOIA | |
| 47 SBA 7(a) loans since October 2023, net of cancelled | $11.8M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $55.7M | 3.5% | -5.4% | 97 | $574K |
| Construction and land development | $5.02M | 0.3% | +242.8% | 12 | $419K |
| Owner-occupied CRE | $12.9M | 0.8% | -7.1% | 31 | $416K |
| Non-owner-occupied CRE | $99.9M | 6.3% | -0.2% | 150 | $666K |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $3.49M | 0.2% | +23.3% | 25 | $140K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $177M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $165M |
| Q4 2023 | $173M |
| Q1 2024 | $172M |
| Q2 2024 | $168M |
| Q3 2024 | $176M |
| Q4 2024 | $177M |
| Q1 2025 | $177M |
| Q2 2025 | $177M |
| Q3 2025 | $176M |
| Q4 2025 | $170M |
| Q1 2026 | $181M |
| Q2 2026 | $177M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 8 | $6.88M | $650K | $2.2M | HMDA, |
| Multifamily, 5 or more units | 2024 | 7 | $9.54M | $615K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 30 | $9.72M | $290K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 47 | $11.8M | $125K | $4.2M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 17 | $7.42M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 7 | $3.42M | $459K | $1.1M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 21 | $21.3M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 4 | $3.38M | NCUA 5300, | ||
| Construction | First half of 2026 | 3 | $2.25M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 14 | $15.7M | NCUA 5300, | ||
| C&I | First half of 2026 | 6 | $909K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: name and lender office city.
| Book | Average loan |
|---|---|
| Construction and land development | $419K |
| Multifamily | $574K |
| Owner-occupied CRE | $416K |
| Non-owner-occupied CRE | $666K |
| Commercial and industrial | $140K |
| Industry | Loans | Dollars |
|---|---|---|
| Landscaping Services | 5 | $590K |
Other lenders in these fields: SBA lenders for landscaping companies.
Programs on record: Federal Home Loan Bank member, Boston district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| New Hampshire HQ | 13 | 7 | 29 | 47 | 7 |
| Massachusetts | 0 | 1 | 1 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Hillsborough County, NH | 7 | $4.80M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Manchester-Nashua, NH | 7 | $4.80M |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $220M | $82.7M to $821M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $192M | $1.55M to $675M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 87.1% | 0.7% to 138.2% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $26.9M | $9.51M to $120M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 89.7% | 14.8% to 167.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 88.5% | 61.4% to 86.8% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 13 loans (27.7%)
- SBA Express
- 34 loans
- Approval to first disbursement
- 16 days, median of 41
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Granite State Credit Union | NH | $749M | $29.6M |
| Lighthouse Credit Union | NH | $2.22B | $134M |
| Bellwether Community Credit Union | NH | $675M | $79.9M |
| Triangle Credit Union | NH | $866M | $91.3M |
| Unitus Community Credit Union | OR | $1.81B | $314M |
| San Francisco Fire Credit Union | CA | $1.62B | $104M |
| Service Credit Union | NH | $6.70B | $724M |
| Publix Employees Credit Union | FL | $1.80B | $30.1M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. ST. Mary's Bank Credit Union, NCUA charter 63829. Compare it with the regulator's record. [NCUA profile]
- Balances. $1.80B in total assets and $177M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 21 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 99 loans in HMDA and SBA files, through September 30, 2026: 8 HMDA multifamily 2025, 7 HMDA multifamily 2024, 30 HMDA 1-4 unit investor 2025, 47 SBA 7(a) in 36 months, 7 SBA 504 first liens in 36 months. [How each file was tied to ST. Mary's Bank Credit Union]
- Phone and website. Phone 603-669-4600, from the NCUA record. Website stmarysbank.com, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 63829
- RSSD
- 832694
- LEI
- 549300YKOCNDPE0N7X40
- The Lender Report ID
- lr_000948
- Main office county
- Hillsborough
- Members
- 105,621
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $1.8B in total assets as of June 30, 2026 (NCUA 5300).
- Held $177M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $99.9M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $55.7M of multifamily loans as of June 30, 2026 (NCUA 5300).
- Held $12.9M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Originated 8 multifamily loans totaling $6.9M in 2025 (HMDA).
8 more sentences
- Originated 7 multifamily loans totaling $9.5M in 2024 (HMDA).
- Originated 30 1-4 unit investor or business-purpose loans totaling $9.7M in 2025 (HMDA).
- Recorded 54 SBA 7(a) approvals totaling $17.8M from October 1, 2023 to September 30, 2026, of which 7 were later cancelled (SBA).
- Provided the first lien on 8 SBA 504 projects with $3.8M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Originated 21 real-estate-secured commercial loans totaling $21.3M in the first half of 2026 (NCUA 5300).
- Bought $4M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $18.7M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 13 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, ST. Mary's Bank Credit Union, https://lender.report/lender/st-mary-s-bank-credit-union-nh/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem