BlastPoint's Credit Union Scorecard
SHERIDAN COMMUNITY
Charter #4374 · WY
SHERIDAN COMMUNITY has 10 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.14% above tier average
- + Total Loans: Top 0.4% in tier
- + Total Deposits: Top 1.7% in tier
- + Total Assets: Top 2.3% in tier
- + Asset Growth Rate: Top 3.6% in tier
- + Deposit Growth Rate: Top 4.1% in tier
- + Loan-to-Member Ratio (LMR): Top 4.6% in tier
- + Average Member Relationship (AMR): Top 7.3% in tier
- + Total Members: Top 8.8% in tier
- + Efficiency Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.2% YoY
- - Indirect Auto Concentration (%): Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,128
-2.2% YoY-0.6% QoQ
|
+3.5K |
2,625
-2.2% YoY
|
21,805
+7.5% YoY
|
33,089
+6.1% YoY
|
Top 8.9% in tier |
| Assets |
$93.5M
+14.3% YoY+7.6% QoQ
|
+$63.7M |
$29.9M
+1.1% YoY
|
$326.6M
+9.9% YoY
|
$547.7M
+7.8% YoY
|
Top 2.3% in tier |
| Loans |
$74.0M
-4.0% YoY+11.2% QoQ
|
+$58.2M |
$15.8M
-2.4% YoY
|
$246.2M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Top 0.5% in tier |
| Deposits |
$82.8M
+14.2% YoY+8.0% QoQ
|
+$57.4M |
$25.5M
+0.4% YoY
|
$279.6M
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 1.7% in tier |
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| ROA |
1.8%
+67.1% YoY+1.4% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
1.2%
+23.5% YoY
|
0.7%
+273.4% YoY
|
Top 12.5% in tier |
| NIM |
3.6%
-13.0% YoY-5.2% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.9%
+2.2% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
54.8%
+8.3% YoY+2.1% QoQ
|
-26.6% |
81.4%
-2.4% YoY
|
69.2%
-3.0% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.4% in tier |
| Delinquency Rate |
1.4%
+50.5% YoY+2.2% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
2.1%
+78.2% YoY
|
1.2%
-0.9% YoY
|
71% |
| Loan To Share |
89.3%
-15.9% YoY+3.0% QoQ
|
+28.1% |
61.2%
-3.0% YoY
|
79.1%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 11.7% in tier |
| AMR |
$25,591
+7.1% YoY+10.2% QoQ
|
+$11K |
$14,627
-2.7% YoY
|
$22,916
+4.8% YoY
|
$19,418
+1.3% YoY
|
Top 7.3% in tier |
| CD Concentration |
31.7%
+37.5% YoY+18.9% QoQ
|
+7.3% |
24.4%
+4.2% YoY
|
26.0%
+2.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
12.2%
-33.5% YoY-21.5% QoQ
|
-1.8% |
14.0%
-5.7% YoY
|
19.6%
+0.8% YoY
|
7.9%
-2.9% YoY
|
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)