BlastPoint's Credit Union Scorecard

MERCK SHARP & DOHME

Charter #6574 · PA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 10 in PA

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MERCK SHARP & DOHME has 4 strengths but faces 7 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 28.9% in tier
+ Wallet Share Momentum: Top 28.9% in tier
+ Emerging Performer: Top 46.7% in tier
+ Average Member Relationship (AMR): Top 7.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 18.4% in tier
- Total Loans: Bottom 1.6% in tier
- Total Assets: Bottom 2.0% in tier
- Total Members: Bottom 2.0% in tier
- Loan-to-Share Ratio: Bottom 2.9% in tier
- Net Interest Margin (NIM): Bottom 5.9% in tier
- Total Deposits: Bottom 7.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	33,306 +2.0% YoY-0.4% QoQ	-62.7K	96,048 -2.7% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	Bottom 1.6% in tier
Assets	$1.0B +9.5% YoY+5.3% QoQ	$-708.4M	$1.7B +0.4% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	Bottom 1.6% in tier
Loans	$459.9M +4.5% YoY+0.9% QoQ	$-753.8M	$1.2B +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	Bottom 1.3% in tier
Deposits	$918.4M +9.0% YoY+5.7% QoQ	$-547.2M	$1.5B +0.5% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	Bottom 7.5% 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% +27.1% YoY-3.9% QoQ	+0.0%	0.7% +27.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	55%
NIM	2.3% -6.6% YoY-6.9% QoQ	-1.0%	3.4% +6.2% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	Bottom 5.6% in tier
Efficiency Ratio	74.1% -5.0% YoY+3.7% QoQ	-0.6%	74.6% -3.0% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	46%
Delinquency Rate	0.3% -29.8% YoY+5.2% QoQ	-0.5	0.8% +6.9% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	Top 12.1% in tier
Loan To Share	50.1% -4.1% YoY-4.6% QoQ	-33.1%	83.2% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	Bottom 2.6% in tier
AMR	$41,382 +5.4% YoY+4.4% QoQ	+$12K	$29,652 +2.3% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	Top 8.2% in tier
CD Concentration	32.9% +12.1% YoY-2.9% QoQ	+4.1%	28.8%	15.4%	19.8%	68%
Indirect Auto %	17.0% +19.8% YoY+4.2% QoQ	-1.1%	18.1%	8.3%	7.7%	53%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#32 of 64 • Top 28.9% 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): 5.39%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.9K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | Rank improving

Wallet Share Momentum

growth

#110 of 125 • Top 28.9% in tier

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

Why This Signature

AMR Growth (YoY): 5.39%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | Rank improving

Emerging Performer

growth

#70 of 79 • Top 46.7% 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: 0.73%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.98%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#111 of 198 • Bottom 18.4% in tier

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

Why This Signature

Asset Growth (YoY): 9.53%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 16.99%

(Tier: 18.07%, National: 7.73%)

but better than tier avg

Member Growth (YoY): 1.98%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 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 306 peers in tier

Top Strengths (6 metrics)

Average Member Relationship (AMR)

engagement

Value: $41,382

Peer Median: $28,178

#25 of 306 Top 7.8% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.16%

Peer Median: 0.51%

#35 of 306 Top 11.1% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Median: 0.63%

#38 of 306 Top 12.1% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 18.43%

Peer Median: 33.05%

#41 of 306 Top 13.1% in 1B-3B tier

Asset Growth Rate

growth

Value: 9.53%

Peer Median: 4.82%

#52 of 306 Top 16.7% in 1B-3B tier

Deposit Growth Rate

growth

Value: 9.01%

Peer Median: 4.44%

#55 of 306 Top 17.6% in 1B-3B tier

Top Weaknesses (6 metrics)

302

Total Loans

balance_sheet

Value: $459.88M

Peer Median: $1.11B

#302 of 306 Bottom 1.6% in 1B-3B tier

301

Total Assets

balance_sheet

Value: $1.01B

Peer Median: $1.51B

#301 of 306 Bottom 2.0% in 1B-3B tier

301

Total Members

engagement

Value: 33,306

Peer Median: 85,918

#301 of 306 Bottom 2.0% in 1B-3B tier

298

Loan-to-Share Ratio

balance_sheet

Value: 50.07%

Peer Median: 85.31%

#298 of 306 Bottom 2.9% in 1B-3B tier

289

Net Interest Margin (NIM)

profitability

Value: 2.35%

Peer Median: 3.37%

#289 of 306 Bottom 5.9% in 1B-3B tier

283

Total Deposits

balance_sheet

Value: $918.39M

Peer Median: $1.31B

#283 of 306 Bottom 7.8% in 1B-3B tier