BlastPoint's Credit Union Scorecard
MERCK SHARP & DOHME
Charter #6574 · PA
MERCK SHARP & DOHME has 8 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 45.7% in tier
- + Organic Growth Leader: Top 58.8% in tier
- + Organic Growth Engine: Top 72.9% in tier
- + Wallet Share Momentum: Top 89.8% in tier
- + ROA 0.01% above tier average
- + Total Deposits: Top 3.4% in tier
- + Asset Growth Rate: Top 7.7% in tier
- + Total Delinquency Rate (60+ days): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 57.4% in tier
- - Margin Compression: Bottom 92.6% in tier
- - Loan-to-Share Ratio: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,434
+2.1% YoY+0.5% QoQ
|
-18.7K |
52,084
-1.6% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 12.8% in tier |
| Assets |
$960.9M
+13.0% YoY+3.3% QoQ
|
+$97.0M |
$863.9M
+0.5% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 13.7% in tier |
| Loans |
$455.9M
+0.5% YoY-1.0% QoQ
|
$-150.0M |
$605.8M
+1.4% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.3% in tier |
| Deposits |
$868.8M
+11.9% YoY+3.2% QoQ
|
+$131.5M |
$737.3M
+0.1% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 4.3% in tier |
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| ROA |
0.8%
-12.6% YoY+2.5% QoQ
|
+0.0% |
0.7%
+39.1% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
2.5%
-12.5% YoY-0.0% QoQ
|
-0.9% |
3.4%
+8.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.4% in tier |
| Efficiency Ratio |
71.4%
+6.3% YoY-1.6% QoQ
|
-2.9% |
74.3%
-3.6% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.3%
-34.6% YoY-47.5% QoQ
|
-0.6 |
0.9%
+3.8% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.5% in tier |
| Loan To Share |
52.5%
-10.2% YoY-4.1% QoQ
|
-30.1% |
82.6%
+1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.1% in tier |
| AMR |
$39,619
+5.5% YoY+1.2% QoQ
|
+$11K |
$28,873
+2.7% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 11.1% in tier |
| CD Concentration |
33.9%
+16.3% YoY-1.6% QoQ
|
+9.5% | 24.4% | 15.5% | 19.8% | 81% |
| Indirect Auto % |
16.3%
+1.3% YoY-4.2% QoQ
|
+2.5% | 13.8% | 8.1% | 7.8% | 65% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)