BlastPoint's Credit Union Scorecard

SHERIDAN COMMUNITY

Charter #4374 · WY

100M-500M

1024 CUs in 100M-500M nationally 8 in WY

SHERIDAN COMMUNITY has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

WY Analysis

How does WY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.74% above tier average
+ AMR Growth Rate: Top 0.3% in tier
+ Loan Growth Rate: Top 0.7% in tier
+ Deposit Growth Rate: Top 1.1% in tier
+ First Mortgage Concentration (%): Top 1.3% in tier
+ Asset Growth Rate: Top 1.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Delinquency rate 0.54% above tier average

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in Wyoming.
Shares and deposits +21.8% year over year ($93.5M in shares and deposits).
Membership: 5,962 members, -3.3% vs a year ago.
Delinquency rate 1.42%.
Return on assets 1.60%.
Efficiency ratio 60.80% vs a 76.73% peer average.
Loan-to-share ratio 94.40% vs a 71.54% 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 (WY)	National Avg	Tier Percentile
Members	5,962 -3.3% YoY-0.5% QoQ	-9.2K	15,168 -2.6% YoY	22,105 +2.3% YoY	34,678 +6.6% YoY	Bottom 6.2% in tier
Assets	$105.0M +20.8% YoY+4.8% QoQ	$-127.0M	$232.0M +0.7% YoY	$345.9M +6.0% YoY	$593.1M +10.2% YoY	Bottom 3.1% in tier
Loans	$88.2M +32.6% YoY+6.8% QoQ	$-58.0M	$146.3M +0.2% YoY	$256.8M +5.3% YoY	$418.6M +10.1% YoY	28%
Deposits	$93.5M +21.8% YoY+4.9% QoQ	$-107.3M	$200.7M +0.2% YoY	$290.0M +5.4% YoY	$504.8M +10.3% YoY	Bottom 5.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% -11.0% YoY-2.3% QoQ	+0.7%	0.9% +12.5% YoY	1.4% +23.8% YoY	1.2% +121.4% YoY	Top 10.4% in tier
NIM	3.3% -14.0% YoY-3.1% QoQ	-0.4%	3.7% +4.5% YoY	3.9% -1.1% YoY	3.8% +2.3% YoY	27%
Efficiency Ratio	60.8% +13.2% YoY+1.7% QoQ	-15.9%	76.7% -0.8% YoY	70.6% +1.3% YoY	83.0% -5.3% YoY	Top 9.0% in tier
Delinquency Rate	1.4% +3.3% YoY-14.1% QoQ	+0.5	0.9% +6.6% YoY	2.3% +31.5% YoY	1.3% +2.6% YoY	84%
Loan To Share	94.4% +8.9% YoY+1.9% QoQ	+22.9%	71.5% -0.3% YoY	76.6% -2.2% YoY	66.4% -1.4% YoY	Top 6.5% in tier
AMR	$30,472 +31.2% YoY+6.3% QoQ	+$5K	$25,107 +3.2% YoY	$23,513 +4.1% YoY	$20,028 -0.9% YoY	82%
CD Concentration	37.0% +38.8% YoY+8.9% QoQ	+12.5%	24.6%	26.8%	20.0%	50%
Indirect Auto %	6.5% -58.1% YoY-22.6% QoQ	-7.1%	13.6%	19.1%	7.7%	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#6 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 31.16%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Relationship Depth Leader

growth

#4 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 31.16%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $5.1K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Concerns (7)

Liquidity Strain

risk

#46 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.40%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 32.61%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Credit Risk Growth

risk

#170 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 32.61%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Membership Headwinds

decline

#222 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.31%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Cost Spiral

risk

#55 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.10% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 53.69%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Stagnation Risk

risk

#321 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.31%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 32.61%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 1.42%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Margin Compression

decline

#88 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.60%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.80%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Credit Quality Pressure

risk

#593 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (11 metrics)

AMR Growth Rate

growth

Value: 31.16%

Peer Median: 3.53%

#4 of 1024 Top 0.3% in 100M-500M tier

Loan Growth Rate

growth

Value: 32.61%

Peer Median: 3.02%

#8 of 1024 Top 0.7% in 100M-500M tier

Deposit Growth Rate

growth

Value: 21.81%

Peer Median: 3.58%

#12 of 1024 Top 1.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.14%

Peer Median: 29.92%

#14 of 1024 Top 1.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 20.81%

Peer Median: 4.12%

#16 of 1024 Top 1.5% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 496.833

Peer Median: 310.924

#64 of 1024 Top 6.2% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.40%

Peer Median: 73.07%

#67 of 1024 Top 6.4% in 100M-500M tier

Efficiency Ratio

profitability

Value: 60.80%

Peer Median: 77.26%

#93 of 1024 Top 9.0% in 100M-500M tier

106

Return on Assets (ROA)

profitability

Value: 1.60%

Peer Median: 0.75%

#106 of 1024 Top 10.3% in 100M-500M tier

128

Loan-to-Member Ratio (LMR)

engagement

Value: $14,797

Peer Median: $9,434

#128 of 1024 Top 12.4% in 100M-500M tier

Top Weaknesses (7 metrics)

992

Total Assets

balance_sheet

Value: $105.03M

Peer Median: $196.38M

#992 of 1024 Bottom 3.2% in 100M-500M tier

967

Total Deposits

balance_sheet

Value: $93.46M

Peer Median: $170.77M

#967 of 1024 Bottom 5.7% in 100M-500M tier

961

Total Members

engagement

Value: 5,962

Peer Median: 13,128

#961 of 1024 Bottom 6.2% in 100M-500M tier

908

Share Certificate Concentration (%)

balance_sheet

Value: 37.04%

Peer Median: 23.39%

#908 of 1024 Bottom 11.4% in 100M-500M tier

859

Total Delinquency Rate (60+ days)

risk

Value: 1.42%

Peer Median: 0.71%

#859 of 1024 Bottom 16.2% in 100M-500M tier

844

Member Growth Rate

growth

Value: -3.31%

Peer Median: -0.03%

#844 of 1024 Bottom 17.7% in 100M-500M tier

791

Net Charge-Off Rate

risk

Value: 0.64%

Peer Median: 0.34%

#791 of 1024 Bottom 22.9% in 100M-500M tier