Civic Intelligence

St Mary'S Bank Credit Union

EIN 02-0187390 • 501(c)14 • Manchester, NH

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Profile

St. Mary's bank's mission is to help members achieve their financial goals by providing best-in-market service and trusted financial advice.

PO Box 990Manchester, NH 03105

www.stmarysbank.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

49th percentile

0.91x

Higher debt load relative to assets than 49% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

60th percentile

15.74x

Higher debt load relative to revenue than 60% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

88th percentile

19%

Higher net margin than 88% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

26th percentile

$760,693

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

501(c)14 • $1B+ nonprofits • Source year 2024

Asset Growth

81st percentile

8.0%

Faster asset growth than 81% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

63rd percentile

19%

Faster revenue growth than 63% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$1,616,505,298

Up $120,150,106 (+8.0%) from 2023

Liabilities

Up

$1,466,466,055

Up $98,859,601 (+7.2%) from 2023

Net Assets

Up

$150,039,243

Up $21,290,505 (+17%) from 2023

Operations
Liabilities / Revenue60th percentileNet Margin88th percentile

Revenue

Up

$93,196,174

Up $14,674,247 (+19%) from 2023

Expenses

Up

$75,862,803

Up $13,591,541 (+22%) from 2023

Net Income

Up

$17,333,371

Up $1,082,706 (+6.7%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth81st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$2.0B$1.5B$1.0B$500M$0Assets 2010: $703,186,915Liabilities 2010: $650,348,198Net Assets 2010: $52,838,7172010Assets 2011: $717,677,507Liabilities 2011: $663,233,562Net Assets 2011: $54,443,9452011Assets 2012: $732,946,357Liabilities 2012: $676,415,358Net Assets 2012: $56,530,9992012Assets 2013: $772,023,761Liabilities 2013: $712,248,094Net Assets 2013: $59,775,6672013Assets 2014: $814,655,790Liabilities 2014: $754,640,408Net Assets 2014: $60,015,3822014Assets 2015: $890,680,089Liabilities 2015: $829,901,888Net Assets 2015: $60,778,2012015Assets 2016: $960,178,956Liabilities 2016: $895,515,895Net Assets 2016: $64,663,0612016Assets 2017: $988,973,237Liabilities 2017: $919,532,120Net Assets 2017: $69,441,1172017Assets 2018: $1,003,010,759Liabilities 2018: $927,708,905Net Assets 2018: $75,301,8542018Assets 2019: $1,045,764,638Liabilities 2019: $962,926,228Net Assets 2019: $82,838,4102019Assets 2020: $1,264,358,476Liabilities 2020: $1,171,261,567Net Assets 2020: $93,096,9092020Assets 2021: $1,405,116,910Liabilities 2021: $1,297,267,666Net Assets 2021: $107,849,2442021Assets 2022: $1,463,740,396Liabilities 2022: $1,350,944,492Net Assets 2022: $112,795,9042022Assets 2023: $1,496,355,192Liabilities 2023: $1,367,606,454Net Assets 2023: $128,748,7382023Assets 2024: $1,616,505,298Liabilities 2024: $1,466,466,055Net Assets 2024: $150,039,2432024

Highlighted filing

2024

Assets$1,616,505,298
Liabilities$1,466,466,055
Net Assets$150,039,243
Open 2024 Filing

Operations Trend

Revenue Growth63rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$100M$50M$0Expenses 2010: $37,049,0002010Revenue 2011: $36,106,817Expenses 2011: $33,976,589Net Income 2011: $2,130,2282011Expenses 2012: $35,462,0862012Revenue 2013: $35,159,913Expenses 2013: $33,651,245Net Income 2013: $1,508,6682013Revenue 2014: $34,744,967Expenses 2014: $33,261,252Net Income 2014: $1,483,7152014Revenue 2015: $38,804,859Expenses 2015: $35,900,040Net Income 2015: $2,904,8192015Revenue 2016: $43,221,939Expenses 2016: $39,514,987Net Income 2016: $3,706,9522016Revenue 2017: $44,850,318Expenses 2017: $40,601,105Net Income 2017: $4,249,2132017Revenue 2018: $48,363,347Expenses 2018: $40,351,628Net Income 2018: $8,011,7192018Revenue 2019: $53,141,667Expenses 2019: $45,541,873Net Income 2019: $7,599,7942019Revenue 2020: $57,544,662Expenses 2020: $48,510,108Net Income 2020: $9,034,5542020Revenue 2021: $59,217,128Expenses 2021: $48,495,092Net Income 2021: $10,722,0362021Revenue 2022: $61,833,410Expenses 2022: $49,715,300Net Income 2022: $12,118,1102022Revenue 2023: $78,521,927Expenses 2023: $62,271,262Net Income 2023: $16,250,6652023Revenue 2024: $93,196,174Expenses 2024: $75,862,803Net Income 2024: $17,333,3712024

Highlighted filing

2024

Revenue$93,196,174
Expenses$75,862,803
Net Income$17,333,371
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,616,505,298
Liabilities
$1,466,466,055
Net assets
$150,039,243
Revenue
$93,196,174
Expenses
$75,862,803
Net income
$17,333,371
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,617$1,466$150$93.2$75.9$17.3
2023Detailed filing. Detailed filing data is available for this year.$1,496$1,368$129$78.5$62.3$16.3
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,464$1,351$113$61.8$49.7$12.1
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,405$1,297$108$59.2$48.5$10.7
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,264$1,171$93.1$57.5$48.5$9.03
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,046$963$82.8$53.1$45.5$7.60
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,003$928$75.3$48.4$40.4$8.01
2017Detailed filing. Detailed filing data is available for this year.$989$920$69.4$44.9$40.6$4.25
2016Detailed filing. Detailed filing data is available for this year.$960$896$64.7$43.2$39.5$3.71
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$891$830$60.8$38.8$35.9$2.90
2014Detailed filing. Detailed filing data is available for this year.$815$755$60.0$34.7$33.3$1.48
2013Detailed filing. Detailed filing data is available for this year.$772$712$59.8$35.2$33.7$1.51
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$733$676$56.5$35.5
2011Summary only. Only limited summary data is available for this year.$718$663$54.4$36.1$34.0$2.13
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$703$650$52.8$37.0
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 7, 2025
Return Version
2024v5.2
Gross Receipts
$162,526,240
Mission and Program Overview

Mission

Provide members with savings and loan services to effectively serve our members by providing trusted ethical advice that helps members achieve their financial goals, a full array of financial services that offer real economic value, and best in the market service that results in long-term loyalty.

Provide members with deposits, loans, and other related financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,282,881,047$1,365,008,516▲ $82,127,469
Rtn Earn Endowment Incm Other Fnds$128,748,738$150,039,243▲ $21,290,505
Savings and Temporary Cash Investments$86,989,753$117,761,394▲ $30,771,641
Land, Buildings, and Equipment, Net$22,920,554$24,488,861▲ $1,568,307
Investments in Publicly Traded Securities$22,567,617$19,760,665▼ $2,806,952
Cash and Non-Interest-Bearing Accounts$5,976,075$8,424,198▲ $2,448,123
Investments Other Securities$6,083,487$6,420,181▲ $336,694
Accounts Receivable$4,550,156$5,213,882▲ $663,726
Receivables From Officers Etc$2,421,781$2,550,655▲ $128,874
Prepaid Expenses and Deferred Charges$1,916,816$1,775,661▼ $141,155
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,496,355,192$1,616,505,298▲ $120,150,106
Other Assets Total$60,047,906$65,101,285▲ $5,053,379
Liabilities
Other Liabilities$1,366,259,740$1,465,251,112▲ $98,991,372
Accounts Payable and Accrued Expenses$659,589$988,917▲ $329,328
Mortgage Notes Payable Secured by Investment Property$250,000$250,000→ $0
Escrow Account Liability$437,125$-23,974▼ $461,099
Total Liabilities$1,367,606,454$1,466,466,055▲ $98,859,601
Net Assets / Fund Balance
Total Net Assets Fund Balance$128,748,738$150,039,243▲ $21,290,505
Total Liabilities and Net Assets / Fund Balance$1,496,355,192$1,616,505,298▲ $120,150,106

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$17,328,001$12,024,254$29,352,255
Equipment$3,663,443$14,034,288$17,697,731
Land$2,315,101-$2,315,101
Other Land Buildings$1,182,316-$1,182,316
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kenneth SenusChief Executive OfficerFT$510,181$250,512$760,693
Tyler WhiteChief Strategy OfficerFT$294,416$138,126$432,542
Kyle a SchneckChief Lending OfficerFT$259,565$143,397$402,962
Leo SimardChief Retail Banking OfficerFT$236,923$77,896$314,819
Kevin NihillCFO & Treasurer (termed 7/24)FT$190,937$100,935$291,872
Pamela RoyChief People OfficerFT$215,526$74,067$289,593
Steven MacekDirector of Consumer LendingFT$183,542$82,091$265,633
Ronald MacdonaldDirector of Residential LendingFT$214,223$49,905$264,128
Kriti ModiDirector of Digital Engagement & Member ExperiencFT$249,216$9,237$258,453
Kriti ModiDirector of Digital Engagement & Mem-$207,447$51,006$258,453
Randy SivignyDirector of Commercial LendingFT$183,111$75,129$258,240
Shirley BhuttoDirector of Enterprise Risk Managment & CommercialFT$221,013$35,627$256,640
Shirley BhuttoDirector of Enterprise Risk Managmen-$183,179$73,461$256,640
Karen MayrandDirector of Residential LendingFT$180,545$69,519$250,064
Hoang NguyenCFO & TreasurerFT$12,799$3,797$16,596
David H BellmanDirector-$5,950-$5,950
Craig S DonaisDirector-$5,750-$5,750
William E StevensDirector-$5,700-$5,700
Elizabeth HitchcockVice Chairman-$5,550-$5,550
Donnalee LozeauDirector-$5,410-$5,410
Guy D ChapdelaineDirector-$4,550-$4,550
Stephen J GrzywaczChairman-$3,750-$3,750
Diane P FitzpatrickDirector-$3,500-$3,500
Gina M BalkusDirector-$3,500-$3,500
Stephen a BainesDirector-$2,000-$2,000

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & Associates INCVarious Core Platform ServivesPO BOX 609, Monett, MO 65708-0000$1,773,668
Pscu IncorporatedAtm/itm Services Coop560 CARILLON PARKWAY, St Petersburg, FL 33716$1,108,435
Alkami Ach Alert INCOnline Banking Platform And Ach Alert SeDEPT 2223 PO BOX 122223, Dallas, TX 75024$890,379
North Branch ConstructionBuild Branch Concord76 OLD TURNPIKE RD, Concord, NH 03301$879,521
SynergentStatement Services And PostagePO BOX 1236, Portland, ME 04104$581,011
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$86,552,124
Investment Income
$6,644,050
Other Revenue
$0
Change in Net Assets
$17,333,371

Audited Revenue Reconciliation

Revenue per Audited Statements
$92,132,659
Revenue Not Reported on Financial Statements
$1,063,515
Revenue Not Reported on Form 990
$239,889
Other Revenue Adjustments
$1,063,515
Total Revenue per Audited Statements
$92,372,548
Total Revenue per Form 990
$93,196,174
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$29,736,558
Other Expenses$23,716,439
Grants and Similar Amounts Paid$729,193
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$21,680,613
Other Salaries and Wages---$21,244,092
Other Employee Benefits---$3,336,959
Depreciation Depletion---$3,312,580
All Other Expenses---$3,137,406
Current Officers, Directors, Trustees, and Key Employees---$2,812,979
Occupancy---$1,974,809
Payroll Taxes---$1,588,856
Office Expenses---$1,181,208
Other Expenses---$819,357
Pension Plan Contributions---$753,672
Grants to Domestic Orgs---$729,193
Advertising---$719,546
Fees for Services Other---$669,634
Fees for Services Accounting---$651,648
Travel---$280,601
Insurance---$215,950
Fees for Services Legal---$125,339
Information Technology---$114,761
Conferences and Meetings---$105,940
Total Functional Expenses$0$0$0$75,862,803

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$75,862,803
Expenses per Audited Statements$74,799,288
Total Expenses per Audited Statements$74,799,288
Expenses Not Reported on Financial Statements$1,063,515
Other Expense Adjustments$1,063,515
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
ST MARY'S BANK CHARITABLE FOUNDATIONManchester, NH501(c)(3)Charitable Support$500,000
Palace TheatreManchester, NH501(c)(3)Charitable Support$32,600
Granite United WayManchester, NH501(c)(3)Charitable Support$24,000
Service Credit Union Impact FoundationPortsmouth, NH501(c)(3)Charitable Support$7,500
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$2,421,781$2,550,655▲ $128,874
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES$1,449,187,650
Other Liabilities$16,063,462
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union's members have rights to elect the members of the governing body. Dividends on members' shares are based on available earnings at the end of a dividend period and are not guaranteed by the credit union.”

Form 990, Part VI, Section A, Line 7A

“Members of the credit union have the right to elect one or more members of the organization's governing body, whether periodically, or as vacancies arise, or otherwise.”

Form 990, Part VI, Section B, Line 11B

“The cfo/treasurer will review form 990 for accuracy and reasonableness. The supervisory committee will review and approve the form 990 and then provide a copy to the board of directors for their review.”

Form 990, Part VI, Section B, Line 12C

“New employees are required to acknowledge that they have read and understand this policy. Annually, or as updates to the policy occur, all smb employees are required to acknowledge that they have read and understand the policy as applicable.”

Form 990, Part VI, Section B, Line 15

“Smb uses a third-party vendor approved by the board of directors to set market-based salary ranges for each position in the credit union. The vendor also makes recommendations regarding annual market increases each year. Smb's board of directors approves salary ranges for each year. The board also approves the budget which contains merit increases for each year. As of 2024, the board created a compensation committe to oversee all areas of compenstation as it relates to the position of the ceo/president.”

Form 990, Part VI, Section C, Line 19

“The financial statements for st. Mary's bank credit union are distributed to all members who attend the annual meeting and also made available to the public upon written request. The governing documents are available upon request. All requests for the conflict of interest policy are referred to the marketing department to assess any potential public relations issues.”

Filing and Contact Details

Filer

Filer Name
ST MARY'S BANK CREDIT UNION
EIN
02-0187390
Phone
6036694600
Address
PO BOX 990, MANCHESTER, NH 03105

Signing Officer

Name
Hoang Nguyen
Title
CFO & Treasurer
Phone
6036694600
Signed
2025-08-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kenneth Senus
Formed
1908
Legal Domicile
Nh
Voting Board Members
10
Independent Board Members
10
Employees
362
Volunteers
14

Preparer

Firm
Wipfli Llp
Address
105 E PINE ST UPPER FLOOR, MISSOULA, MT 59802
Preparer
Sam Brunson CPA
Phone
4067281800
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net defined benefit pension costs adjustment 3,738,133. Accumulated other comprehensive income adjustment -20,888.”

FORM 990, PART XII, LINE 2C:

“The process has not changed since the prior year.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union holds funds in escrow for its mortgage loans to pay taxes and insurance on behalf of the member.”

PART X, LINE 2:

“The credit union is generally exempt, by statute, from federal income taxes. However, the credit union may be subject to unrelated business income tax (ubit). There was no significant ubit expense for the years ended december 31, 2024 and 2023. The credit union may recognize a liability for unrecognized tax benefits from uncertain tax positions. Unrecognized tax benefits represent the differences between a tax position taken or expected to be taken in a tax return and the benefit recognized and measured in the financial statements. Interest and penalties related to unrecognized tax benefits are classified as income tax expense.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Omsr expenses 772,967. Origination fees 290,548.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Origination fees 290,548. Omsr expenses 772,967.”

Raw XML AppendixShowing 400 of 857 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0659589
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0988917
IRS990/AccountsReceivableGrp/BOYAmt04550156
IRS990/AccountsReceivableGrp/EOYAmt05213882
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0PROVIDE MEMBERS WITH DEPOSITS, LOANS, AND OTHER RELATED FINANCIAL SERVICES.
IRS990/AdvertisingGrp/TotalAmt0719546
IRS990/AllOtherExpensesGrp/TotalAmt03137406
IRS990/AnnualDisclosureCoveredPrsnInd01
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IRS990/BackupWthldComplianceInd01
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IRS990/BooksInCareOfDetail/PhoneNum06036694600
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IRS990/BooksInCareOfDetail/USAddress/CityNm0MANCHESTER
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IRS990/BusinessRlnWithOrgMemInd00
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4SYNERGENT
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IRS990/ContractorCompensationGrp/ServicesDesc1ATM/ITM SERVICES COOP
IRS990/ContractorCompensationGrp/ServicesDesc2ONLINE BANKING PLATFORM AND ACH ALERT SE
IRS990/ContractorCompensationGrp/ServicesDesc3BUILD BRANCH CONCORD
IRS990/ContractorCompensationGrp/ServicesDesc4STATEMENT SERVICES AND POSTAGE
IRS990/CreditCounselingInd01
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IRS990/CYContributionsGrantsAmt00
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IRS990/CYInvestmentIncomeAmt06644050
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IRS990/CYOtherRevenueAmt00
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IRS990/Desc0THE CREDIT UNION HAS 95,625 MEMBERS AS OF DECEMBER 31, 2024, MEMBERS HAVE ACCESS TO A WIDE VARIETY OF LOW-COST, HIGH-QUALITY SERVICES.
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF EXECUTIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO & TREASURER (TERMED 7/24)
IRS990/Form990PartVIISectionAGrp/TitleTxt12CFO & TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF PEOPLE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF RETAIL BANKING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF STRATEGY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR OF COMMERCIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR OF DIGITAL ENGAGEMENT & MEMBER EXPERIENC
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR OF RESIDENTIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR OF ENTERPRISE RISK MANAGMENT & COMMERCIAL
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR OF RESIDENTIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR OF CONSUMER LENDING
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IRS990/MissionDesc0ST. MARY'S BANK'S MISSION IS TO HELP MEMBERS ACHIEVE THEIR FINANCIAL GOALS BY PROVIDING BEST-IN-MARKET SERVICE AND TRUSTED FINANCIAL ADVICE.
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME FROM MEMBERS
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IRS990/ProgSrvcAccomActy2Grp/Desc0ST. MARY'S BANK GIVES BACK TO THE COMMUNITY BY SUPPORTING, PROMOTING AND FURTHERING CHARITABLE, AND EDUCATIONAL PURPOSES, ACTIVITIES AND CAUSES IN NEW HAMPSHIRE, PRIMARILY IN THE CREDIT UNION'S PRIMARY SERVICE AREA. IN 2024, THE CREDIT UNION PROVIDED SUPPORTED NUMEROUS COMMUNITY ORGANIZATIONS AND ALSO CONTRIBUTED $500,000 TO THE ST. MARY'S BANK CHARITABLE FOUNDATION.ST. MARY'S BANK'S CHARITABLE GIVING THEME, CHILDREN, FAMILIES, AND INDIVIDUALS IN NEED, IS OUR WAY OF FOCUSING AVAILABLE RESOURCES ON ACTIVITIES MOST RELEVANT TO OUR MISSION OF SERVICE TO CREDIT UNION MEMBERS AND THE COMMUNITY. IN 2024, OVER 140 ORGANIZATIONS WERE SUPPORTED THROUGH DONATIONS AND EVENT SPONSORSHIPS, TOTALING $210.013. CAUSES INCLUDE, BUT ARE NOT LIMITED TO, CHILDREN AND FAMILY, CULTURAL, FINANCIAL LITERACY, FINANCIAL INDEPENDENCE, AND HEALTH AND WELLNESS.ST. MARY'S BANK EMPLOYEES VOLUNTEERED 4,710 HOURS OF TIME, DURING WORKTIME AND ON THEIR OWN TIME IN 2024 TO A RANGE OF NON-PROFIT ORGANIZATIONS.
IRS990/ProgSrvcAccomActy3Grp/Desc0ST. MARY'S BANK PARTICIPATES WITH A NUMBER OF LENDER ORGANIZATIONS OFFERING HOMEOWNERSHIP PROGRAMS THAT ASSISTS THE UNDER-SERVED INCLUDING; NEW HAMPSHIRE HOUSING- FLEX AND PREFERRED PROGRAMS ALONG WITH FHA, USDA-RD, INCLUDING CASH ASSISTANCE PROGRAMS, AND FNMA, HOME READY. ST. MARY'S BANK ALSO OFFERS PORTFOLIO FINANCING OPTIONS AND CONTINUES ITS "WELCOME HOME FIRST-TIME HOMEBUYER PROGRAM AND LOW TO NO DOWN PAYMENT OPTIONS.ADDITIONALLY ST. MARY'S WELCOME HOME PROGRAM IS DESIGNED TO ASSIST FIRST TIME HOME BUYERS WITH THE FOLLOWING FEATURES:-REDUCED INTERIM RATE CAP -ACCESS TO A FULL-RANGE OF ONLINE RESEARCH TOOLS-ACCESS TO FREE HOMEBUYER EDUCATIONIN ADDITION TO IDENTIFYING LENDING OPPORTUNITIES FOR FIRST-TIME HOMEBUYERS, WE WILL ALSO CONTINUE TO FOCUS ON LENDING TO INCOME-ELIGIBLE FAMILIES. MORE SPECIFICALLY, LENDING TO FAMILIES WHOSE HOUSEHOLD INCOME IS AT OR BELOW 115% OF THE AREA MEDIAN FAMILY INCOME (DEFINED AND PUBLISHED BY THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT).
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IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt078521927

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