BlastPoint's Credit Union Scorecard
SHERWIN
Charter #12259 · TX
SHERWIN has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 4.1% in tier
- + Members Per Employee (MPE): Top 6.0% in tier
- + Loan Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.83% below tier average
- - Efficiency ratio 29.66% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 7.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,912
+0.5% YoY+0.1% QoQ
|
-764 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$7.0M
-3.1% YoY-4.9% QoQ
|
$-23.2M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$3.7M
+11.5% YoY+4.0% QoQ
|
$-11.6M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$4.6M
-3.0% YoY-7.1% QoQ
|
$-21.2M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
21% |
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| ROA |
-1.7%
+5.0% YoY+45.1% QoQ
|
-1.8% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.5% in tier |
| NIM |
4.0%
+4.7% YoY+3.1% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
57% |
| Efficiency Ratio |
120.3%
+0.5% YoY+1.0% QoQ
|
+29.7% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.9% in tier |
| Delinquency Rate | 0.2% | -1.3 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
28% |
| Loan To Share |
80.3%
+15.0% YoY+12.0% QoQ
|
+21.8% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$4,340
+2.5% YoY-2.5% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.0% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)