BlastPoint's Credit Union Scorecard
SHERWIN
Charter #12259 ยท TX
2596 CUs in <100M nationally
245 in TX
SHERWIN has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.8% in tier
- + Net Worth Ratio: Top 3.9% in tier
- + Members Per Employee (MPE): Top 6.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.58% below tier average
- - Efficiency ratio 35.47% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,908
+0.7% YoY0% QoQ
|
-717 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$7.0M
-1.5% YoY-5.9% QoQ
|
$-22.9M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
25% |
| Loans |
$3.4M
+1.4% YoY-1.8% QoQ
|
$-12.3M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$4.6M
+0.2% YoY-8.2% QoQ
|
$-20.9M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
22% |
| ROA |
-0.9%
+17.6% YoY-24.4% QoQ
|
-1.6% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.9% in tier |
| NIM |
3.9%
-0.5% YoY+2.9% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
50% |
| Efficiency Ratio |
116.9%
+3.3% YoY-0.8% QoQ
|
+35.5% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 4.7% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
75.7%
+1.2% YoY+7.0% QoQ
|
+14.4% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
71% |
| AMR |
$4,192
-0.0% YoY-5.5% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.8% in tier |
| CD Concentration |
0.0%
+0.5% YoY+9.1% QoQ
|
-24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
49
Net Charge-Off Rate
risk
Value:
-0.29%
Peer Avg: 0.57%
#49 of 2596
Top 1.8% in <100M tier
103
Net Worth Ratio
risk
Value:
33.83%
Peer Avg: 16.43%
#103 of 2596
Top 3.9% in <100M tier
158
Members Per Employee (MPE)
engagement
Value:
636.000
Peer Avg: 365.701
#158 of 2596
Top 6.0% in <100M tier
586
Share Certificate Concentration (%)
balance_sheet
Value:
0.02%
Peer Avg: 15.37%
#586 of 2596
Top 22.5% in <100M tier
Top Weaknesses (5 metrics)
2476
Efficiency Ratio
profitability
Value:
116.86%
Peer Avg: 81.39%
#2476 of 2596
Bottom 4.7% in <100M tier
2442
Return on Assets (ROA)
profitability
Value:
-0.90%
Peer Avg: 0.68%
#2442 of 2596
Bottom 6.0% in <100M tier
2419
Average Member Relationship (AMR)
engagement
Value:
$4,192
Peer Avg: $14,627
#2419 of 2596
Bottom 6.9% in <100M tier
2313
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,805
Peer Avg: $5,488
#2313 of 2596
Bottom 10.9% in <100M tier
2033
Total Deposits
balance_sheet
Value:
$4.55M
Peer Avg: $25.45M
#2033 of 2596
Bottom 21.7% in <100M tier