BlastPoint's Credit Union Scorecard

MERCK SHARP & DOHME

Charter #6574 · PA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 9 in PA

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MERCK SHARP & DOHME has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 43.8% in tier
+ Emerging Performer: Top 51.2% in tier
+ Average Member Relationship (AMR): Top 7.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 23.7% in tier
- Credit Quality Pressure: Bottom 37.9% in tier
- Credit Risk Growth: Bottom 75.5% in tier
- Total Assets: Bottom 1.3% in tier
- Total Loans: Bottom 1.7% in tier
- Total Members: Bottom 2.0% in tier
- Loan-to-Share Ratio: Bottom 3.0% in tier
- Net Interest Margin (NIM): Bottom 6.0% in tier

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 300 credit unions with $1B-$3B in assets nationally, and 1 of 9 that size in Pennsylvania.
Shares and deposits +8.2% year over year ($913M in shares and deposits).
Membership: 33,681 members, +2.0% vs a year ago.
Delinquency rate 0.39%.
Return on assets 0.78%.
Efficiency ratio 72.16% vs a 73.02% peer average.
Loan-to-share ratio 50.57% vs a 84.71% 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 (PA)	National Avg	Tier Percentile
Members	33,681 +2.0% YoY+1.1% QoQ	-63.2K	96,861 -1.9% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	Bottom 1.7% in tier
Assets	$1.0B +8.5% YoY-0.3% QoQ	$-716.1M	$1.7B +0.4% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	Bottom 1.0% in tier
Loans	$461.9M +1.5% YoY+0.4% QoQ	$-772.4M	$1.2B +0.7% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	Bottom 1.3% in tier
Deposits	$913.4M +8.2% YoY-0.5% QoQ	$-550.0M	$1.5B +0.5% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	Bottom 8.7% 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	0.8% +18.2% YoY+7.6% QoQ	+0.0%	0.8% +27.6% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	51%
NIM	2.5% -1.5% YoY+5.0% QoQ	-1.0%	3.4% +6.6% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	Bottom 5.7% in tier
Efficiency Ratio	72.2% -2.6% YoY-2.6% QoQ	-0.9%	73.0% -2.7% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	44%
Delinquency Rate	0.4% +27.0% YoY+48.0% QoQ	-0.5	0.9% +7.3% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	19%
Loan To Share	50.6% -6.1% YoY+1.0% QoQ	-34.1%	84.7% +0.1% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	Bottom 2.7% in tier
AMR	$40,832 +3.8% YoY-1.3% QoQ	+$11K	$29,575 +1.5% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	Top 8.0% in tier
CD Concentration	33.2% +4.2% YoY+0.8% QoQ	+4.1%	29.1%	15.6%	20.0%	68%
Indirect Auto %	15.2% -12.2% YoY-10.5% QoQ	-2.9%	18.1%	8.4%	7.7%	49%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#49 of 69 • Top 43.8% 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): 3.79%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.6K

(Tier: $3.2K, National: $2.1K)

better than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank improving

Emerging Performer

growth

#73 of 82 • Top 51.2% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.78%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 1.98%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#141 of 215 • Bottom 37.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#133 of 193 • Bottom 23.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 8.49%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 15.20%

(Tier: 18.08%, National: 7.71%)

but better than tier avg

Member Growth (YoY): 1.98%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Risk Growth

risk

#156 of 170 • Bottom 75.5% in tier

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

Why This Signature

Loan Growth (YoY): 1.54%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank improving

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 300 peers in tier

Top Strengths (6 metrics)

Average Member Relationship (AMR)

engagement

Value: $40,832

Peer Median: $28,089

#24 of 300 Top 7.7% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.18%

Peer Median: 0.52%

#38 of 300 Top 12.3% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.01%

Peer Median: 33.59%

#43 of 300 Top 14.0% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.39%

Peer Median: 0.70%

#58 of 300 Top 19.0% in 1B-3B tier

Asset Growth Rate

growth

Value: 8.49%

Peer Median: 5.21%

#67 of 300 Top 22.0% in 1B-3B tier

Deposit Growth Rate

growth

Value: 8.15%

Peer Median: 4.79%

#72 of 300 Top 23.7% in 1B-3B tier

Top Weaknesses (7 metrics)

297

Total Assets

balance_sheet

Value: $1.01B

Peer Median: $1.51B

#297 of 300 Bottom 1.3% in 1B-3B tier

296

Total Loans

balance_sheet

Value: $461.88M

Peer Median: $1.14B

#296 of 300 Bottom 1.7% in 1B-3B tier

295

Total Members

engagement

Value: 33,681

Peer Median: 86,516

#295 of 300 Bottom 2.0% in 1B-3B tier

292

Loan-to-Share Ratio

balance_sheet

Value: 50.57%

Peer Median: 87.07%

#292 of 300 Bottom 3.0% in 1B-3B tier

283

Net Interest Margin (NIM)

profitability

Value: 2.46%

Peer Median: 3.46%

#283 of 300 Bottom 6.0% in 1B-3B tier

274

Total Deposits

balance_sheet

Value: $913.39M

Peer Median: $1.30B

#274 of 300 Bottom 9.0% in 1B-3B tier

234

Net Worth Ratio

risk

Value: 9.66%

Peer Median: 10.91%

#234 of 300 Bottom 22.3% in 1B-3B tier