BlastPoint's Credit Union Scorecard
SHARON & CRESCENT UNITED
Charter #67836 · MA
SHARON & CRESCENT UNITED has 3 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 36.9% in tier
- + Net Charge-Off Rate: Top 6.3% in tier
- + Asset Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 33.3% in tier
- - Stagnation Risk: Bottom 76.2% in tier
- - ROA 0.01% below tier average
- - Member decline: -3.5% YoY
- - Fee Income Per Member: Bottom 2.0% in tier
- - First Mortgage Concentration (%): Bottom 4.6% in tier
- - Member Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70,168
-3.5% YoY-4.2% QoQ
|
-27.3K |
97,431
-2.4% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$1.4B
+12.4% YoY+0.9% QoQ
|
$-324.8M |
$1.7B
+0.9% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$948.0M
+6.5% YoY+1.9% QoQ
|
$-286.4M |
$1.2B
+0.5% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$1.1B
+3.8% YoY+0.9% QoQ
|
$-393.8M |
$1.5B
+0.9% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
0.7%
+107.7% YoY-4.0% QoQ
|
-0.0% |
0.7%
+20.9% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
2.7%
+7.8% YoY+2.5% QoQ
|
-0.6% |
3.3%
+9.2% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
72.8%
-12.8% YoY-2.5% QoQ
|
-1.2% |
74.1%
-9.5% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.4%
-10.4% YoY-34.5% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
89.0%
+2.6% YoY+1.0% QoQ
|
+4.2% |
84.8%
-0.8% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$28,696
+8.9% YoY+5.8% QoQ
|
$-732 |
$29,428
+2.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
28.7%
+1.2% YoY-2.6% QoQ
|
-0.4% | 29.0% | 25.0% | 19.8% | 51% |
| Indirect Auto % |
2.7%
-49.7% YoY-17.1% QoQ
|
-15.7% | 18.3% | 2.4% | 7.8% | 21% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)