BlastPoint's Credit Union Scorecard
SHERIDAN COMMUNITY
Charter #4374 · WY
SHERIDAN COMMUNITY has 12 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.66% above tier average
- + Total Loans: Top 0.0% in tier
- + Total Deposits: Top 1.0% in tier
- + Total Assets: Top 1.5% in tier
- + Loan-to-Member Ratio (LMR): Top 2.5% in tier
- + AMR Growth Rate: Top 3.1% in tier
- + Loan Growth Rate: Top 3.3% in tier
- + Loan-to-Share Ratio: Top 3.4% in tier
- + Average Member Relationship (AMR): Top 5.3% in tier
- + Asset Growth Rate: Top 6.3% in tier
- + Deposit Growth Rate: Top 7.5% in tier
- + Total Members: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
- - Indirect Auto Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,060
-2.4% YoY-1.1% QoQ
|
+3.4K |
2,615
-1.9% YoY
|
21,806
+1.7% YoY
|
33,374
+5.7% YoY
|
Top 8.8% in tier |
| Assets |
$96.0M
+11.7% YoY+2.6% QoQ
|
+$65.8M |
$30.1M
+2.1% YoY
|
$331.9M
+4.5% YoY
|
$561.6M
+9.7% YoY
|
Top 1.6% in tier |
| Loans |
$87.4M
+20.8% YoY+18.1% QoQ
|
+$71.6M |
$15.8M
-1.3% YoY
|
$248.7M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
Top 0.0% in tier |
| Deposits |
$85.3M
+11.5% YoY+3.0% QoQ
|
+$59.6M |
$25.7M
+1.4% YoY
|
$284.9M
+3.7% YoY
|
$477.3M
+9.7% YoY
|
Top 1.1% in tier |
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| ROA |
1.3%
+30.2% YoY-29.5% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
1.1%
+10.8% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
3.0%
-25.0% YoY-16.5% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.9%
+0.6% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
63.0%
+24.4% YoY+15.0% QoQ
|
-19.5% |
82.6%
-2.3% YoY
|
70.1%
-0.5% YoY
|
79.7%
-3.3% YoY
|
15% |
| Delinquency Rate |
1.3%
-13.9% YoY-9.0% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.7%
+3.5% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
102.4%
+8.3% YoY+14.6% QoQ
|
+41.8% |
60.6%
-3.1% YoY
|
78.9%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 3.5% in tier |
| AMR |
$28,498
+18.9% YoY+11.4% QoQ
|
+$14K |
$14,783
-1.4% YoY
|
$23,219
+4.0% YoY
|
$19,687
+2.0% YoY
|
Top 5.3% in tier |
| CD Concentration |
34.7%
+55.8% YoY+9.2% QoQ
|
+10.2% | 24.4% | 26.5% | 19.8% | 50% |
| Indirect Auto % |
9.0%
-46.9% YoY-26.5% QoQ
|
-4.8% | 13.8% | 19.3% | 7.8% | 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)