BlastPoint's Credit Union Scorecard

MERCK SHARP & DOHME

Charter #6574 · PA

Community 750M-1B

112 CUs in 750M-1B nationally 7 in PA

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MERCK SHARP & DOHME has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 19.6% in tier
+ Organic Growth Engine: Top 25.1% in tier
+ Relationship Depth Leader: Top 47.7% in tier
+ Wallet Share Momentum: Top 91.2% in tier
+ ROA 0.03% above tier average
+ Deposit Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 11.5% in tier
- Credit Quality Pressure: Bottom 13.0% in tier
- Indirect Auto Dependency: Bottom 19.1% in tier
- Credit Risk Growth: Bottom 20.8% in tier
- Loan-to-Share Ratio: Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	33,277 +2.0% YoY+0.8% QoQ	-18.8K	52,114 -2.1% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	Bottom 10.7% in tier
Assets	$929.9M +10.4% YoY+0.1% QoQ	+$70.9M	$859.0M +0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	82%
Loans	$460.5M +2.6% YoY+1.2% QoQ	$-142.8M	$603.4M +1.0% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	Bottom 10.7% in tier
Deposits	$841.7M +10.4% YoY-0.3% QoQ	+$107.5M	$734.2M +0.9% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	Top 11.6% 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	0.7% -18.5% YoY+11.5% QoQ	+0.0%	0.7% +27.6% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	55%
NIM	2.5% -11.7% YoY+0.7% QoQ	-0.9%	3.4% +9.6% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	Bottom 10.7% in tier
Efficiency Ratio	72.5% +9.5% YoY-2.1% QoQ	-2.0%	74.5% -3.2% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	35%
Delinquency Rate	0.5% +95.7% YoY+55.2% QoQ	-0.3	0.8% +5.0% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	30%
Loan To Share	54.7% -7.1% YoY+1.6% QoQ	-27.9%	82.7% +0.1% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	Bottom 6.2% in tier
AMR	$39,133 +5.4% YoY-0.5% QoQ	+$10K	$28,651 +2.5% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	Top 11.6% in tier
CD Concentration	34.4% +22.8% YoY+8.2% QoQ	+10.0%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	83%
Indirect Auto %	17.0% +14.4% YoY-1.7% QoQ	+3.1%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	65%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#259 of 430 • Top 19.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.99%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 17.03%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#460 of 603 • Top 25.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.99%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.74%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 17.03%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#123 of 257 • Top 47.7% 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): 5.40%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.2K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#439 of 481 • Top 91.2% in tier

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

Why This Signature

AMR Growth (YoY): 5.40%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (4)

Cost Spiral

risk

#29 of 62 • Bottom 11.5% 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: 6.32% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 45.02%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 281 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Credit Quality Pressure

risk

#322 of 736 • Bottom 13.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.24% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#308 of 525 • Bottom 19.1% in tier

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

Why This Signature

Asset Growth (YoY): 10.39%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 17.03%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.99%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Credit Risk Growth

risk

#313 of 446 • Bottom 20.8% in tier

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

Why This Signature

Loan Growth (YoY): 2.57%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.24% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 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 112 peers in tier

Top Strengths (7 metrics)

Deposit Growth Rate

growth

Value: 10.39%

Peer Avg: -

#11 of 112 Top 8.9% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $39,133

Peer Avg: -

#13 of 112 Top 10.7% in 750M-1B tier

Total Deposits

balance_sheet

Value: $841.71M

Peer Avg: -

#13 of 112 Top 10.7% in 750M-1B tier

Asset Growth Rate

growth

Value: 10.39%

Peer Avg: -

#16 of 112 Top 13.4% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.23%

Peer Avg: -

#19 of 112 Top 16.1% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 18.37%

Peer Avg: -

#19 of 112 Top 16.1% in 750M-1B tier

Total Assets

balance_sheet

Value: $929.94M

Peer Avg: -

#20 of 112 Top 17.0% in 750M-1B tier

Top Weaknesses (5 metrics)

105

Loan-to-Share Ratio

balance_sheet

Value: 54.71%

Peer Avg: -

#105 of 112 Bottom 7.1% in 750M-1B tier

100

Net Interest Margin (NIM)

profitability

Value: 2.52%

Peer Avg: -

#100 of 112 Bottom 11.6% in 750M-1B tier

100

Total Members

engagement

Value: 33,277

Peer Avg: -

#100 of 112 Bottom 11.6% in 750M-1B tier

100

Total Loans

balance_sheet

Value: $460.52M

Peer Avg: -

#100 of 112 Bottom 11.6% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 34.44%

Peer Avg: -

#87 of 112 Bottom 23.2% in 750M-1B tier