Charter 67864 · Marlborough, MA
St. Mary's Credit Union
St. Mary's Credit Union is a state-chartered credit union in Marlborough, Massachusetts, with $1.03 billion in assets and 57,336 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.69%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as SMCU.
- Total assets
- $1.03 billion
- +1.6% in a year
- Members
- 57,336
- +1.0% in a year
- Net worth ratio
- 11.69%
- Peer median 10.79%
- Loans 60+ days late
- 0.08%
- Peer median 0.67%
- Loans outstanding
- $757 million
- -0.3% in a year
- Shares and deposits
- $855 million
- +3.2% in a year
- Branches
- 9
- 143 employees
- Opened
- 1913
- Massachusetts charter
How St. Mary's Credit Union compares
NCUA groups credit unions by size; St. Mary's Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.69% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.08%, is lower than the group median of 0.67%. Loans fell 0.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 12 of 121 credit unions headquartered in Massachusetts. See all Massachusetts credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.03 billion | 57,336 | $757 million | 11.69% | 0.08% |
| Q1 2026 | $1.04 billion | 56,730 | $759 million | 11.42% | 0.07% |
| Q4 2025 | $1.04 billion | 57,657 | $761 million | 11.45% | 0.08% |
| Q3 2025 | $1.00 billion | 57,536 | $767 million | 11.69% | 0.09% |
| Q2 2025 | $1.01 billion | 56,765 | $759 million | 11.54% | 0.05% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 3.3 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 10 sites for St. Mary's Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- St. Mary's Credit Union/Loan Center (main office)
46 Lizotte Dr, Marlborough, MA 01752 - St. Mary's Credit Union
1 Northboro Rd E, Marlborough, MA 01752 - COCC
100 Executive Blvd, Southington, CT 06489 - St. Mary's Credit Union
439A Main St, Hudson, MA 01749 - St. Mary's Credit Union
96 Turnpike Rd, Westborough, MA 01581 - St. Mary's Credit Union
1255 Worcester Rd, Framingham, MA 01701 - St. Mary's Credit Union
133 W Main St, Marlborough, MA 01752 - St. Mary's Credit Union
133 W Main St, Marlborough, MA 01752 - St. Mary's Credit Union
133 S Bolton St, Marlborough, MA 01752 - St. Mary's Credit Unioni
100 W Main St, Northborough, MA 01532
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology