BlastPoint's Credit Union Scorecard
SHERWIN
Charter #12259 · TX
SHERWIN has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Net Interest Margin 0.13% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 3.9% in tier
- + Members Per Employee (MPE): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 38.60% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 4.1% in tier
- - Asset Growth Rate: Bottom 4.9% in tier
- - Average Member Relationship (AMR): Bottom 6.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -13.4% year over year ($4.3M in shares and deposits).
- Membership: 1,914 members, +0.3% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.64%.
- Efficiency ratio 127.37% vs a 88.77% peer average.
- Loan-to-share ratio 85.58% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,914
+0.3% YoY+0.1% QoQ
|
-671 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$6.6M
-10.3% YoY-5.0% QoQ
|
$-23.6M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$3.7M
+4.9% YoY-0.5% QoQ
|
$-11.8M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$4.3M
-13.4% YoY-6.6% QoQ
|
$-21.5M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
1.6%
-237.7% YoY-197.4% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
4.0%
+6.6% YoY+1.3% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
127.4%
+8.1% YoY+5.9% QoQ
|
+38.6% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.9% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
85.6%
+21.1% YoY+6.6% QoQ
|
+26.7% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 13.6% in tier |
| AMR |
$4,167
-6.1% YoY-4.0% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.6% in tier |
| CD Concentration | 0.0% | -24.5% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)