BlastPoint's Credit Union Scorecard
SHERIDAN COMMUNITY
Charter #4374 · WY
SHERIDAN COMMUNITY has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.91% above tier average
- + First Mortgage Concentration (%): Top 1.3% in tier
- + AMR Growth Rate: Top 1.4% in tier
- + Deposit Growth Rate: Top 3.4% in tier
- + Asset Growth Rate: Top 3.6% in tier
- + Members Per Employee (MPE): Top 3.6% in tier
- + Loan Growth Rate: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Delinquency rate 0.88% above tier average
- - Member decline: -3.5% YoY
- - Total Assets: Bottom 0.2% in tier
- - Total Deposits: Bottom 2.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,992
-3.5% YoY-1.1% QoQ
|
-9.2K |
15,145
-2.5% YoY
|
21,934
+2.5% YoY
|
33,913
+5.7% YoY
|
Bottom 6.2% in tier |
| Assets |
$100.2M
+14.3% YoY+4.4% QoQ
|
$-131.5M |
$231.7M
+0.8% YoY
|
$341.2M
+5.8% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.1% in tier |
| Loans |
$82.6M
+18.9% YoY-5.5% QoQ
|
$-61.6M |
$144.1M
+0.2% YoY
|
$250.8M
+3.8% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$89.1M
+14.3% YoY+4.4% QoQ
|
$-112.0M |
$201.1M
+0.4% YoY
|
$290.8M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.1% in tier |
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| ROA |
1.6%
+25.4% YoY+27.4% QoQ
|
+0.9% |
0.7%
+5.1% YoY
|
1.0%
-6.8% YoY
|
0.4%
-39.2% YoY
|
Top 8.3% in tier |
| NIM |
3.4%
-12.5% YoY+12.2% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.9%
-0.5% YoY
|
3.8%
+4.1% YoY
|
36% |
| Efficiency Ratio |
59.8%
+12.2% YoY-5.2% QoQ
|
-18.3% |
78.0%
-1.7% YoY
|
73.8%
+4.7% YoY
|
84.6%
+2.8% YoY
|
Top 8.4% in tier |
| Delinquency Rate |
1.7%
-3.7% YoY+29.4% QoQ
|
+0.9 |
0.8%
+7.1% YoY
|
1.7%
+17.4% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.1% in tier |
| Loan To Share |
92.7%
+4.0% YoY-9.5% QoQ
|
+22.2% |
70.4%
-0.4% YoY
|
76.1%
-2.5% YoY
|
65.6%
-1.4% YoY
|
Top 7.2% in tier |
| AMR |
$28,654
+20.7% YoY+0.5% QoQ
|
+$4K |
$24,918
+2.7% YoY
|
$23,399
+4.1% YoY
|
$19,920
+1.6% YoY
|
77% |
| CD Concentration |
34.0%
+44.7% YoY-1.8% QoQ
|
+9.7% | 24.3% | 26.4% | 19.8% | 50% |
| Indirect Auto % |
8.4%
-47.7% YoY-6.3% QoQ
|
-5.4% | 13.8% | 19.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)