BlastPoint's Credit Union Scorecard

SHARON & CRESCENT UNITED

Charter #67836 · MA

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

SHARON & CRESCENT UNITED has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 14.5% in tier
+ ROA 0.23% above tier average
+ Net Charge-Off Rate: Top 5.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 35.0% in tier
- Credit Quality Pressure: Bottom 39.2% in tier
- Membership Headwinds: Bottom 91.3% in tier
- Stagnation Risk: Bottom 91.3% in tier
- Member decline: -3.6% YoY
- First Mortgage Concentration (%): Bottom 4.6% in tier
- Fee Income Per Member: Bottom 5.6% in tier
- Member Growth Rate: Bottom 9.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	70,338 -3.6% YoY+0.2% QoQ	-25.7K	96,048 -2.7% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	28%
Assets	$1.4B +9.0% YoY+0.9% QoQ	$-308.9M	$1.7B +0.4% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	38%
Loans	$954.0M +8.0% YoY+0.6% QoQ	$-259.8M	$1.2B +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	34%
Deposits	$1.1B +0.6% YoY+1.1% QoQ	$-388.1M	$1.5B +0.5% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	27%

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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	0.9% +86.8% YoY+41.2% QoQ	+0.2%	0.7% +27.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	76%
NIM	2.9% +9.5% YoY+9.4% QoQ	-0.4%	3.4% +6.2% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	18%
Efficiency Ratio	67.5% -19.0% YoY-7.4% QoQ	-7.2%	74.6% -3.0% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	21%
Delinquency Rate	0.3% +30.3% YoY-17.4% QoQ	-0.5	0.8% +6.9% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	15%
Loan To Share	88.5% +7.4% YoY-0.5% QoQ	+5.4%	83.2% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	60%
AMR	$28,881 +7.8% YoY+0.6% QoQ	$-771	$29,652 +2.3% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	53%
CD Concentration	27.9% -2.8% YoY-2.5% QoQ	-0.9%	28.8%	25.2%	19.8%	48%
Indirect Auto %	2.2% -51.8% YoY-17.9% QoQ	-15.9%	18.1%	2.3%	7.7%	21%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#55 of 125 • Top 14.5% in tier

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

Why This Signature

AMR Growth (YoY): 7.81%

(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 worsening

Concerns (4)

Membership Headwinds

decline

#34 of 91 • Bottom 91.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.60%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Credit Risk Growth

risk

#99 of 183 • Bottom 35.0% in tier

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

Why This Signature

Loan Growth (YoY): 8.02%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#149 of 225 • Bottom 39.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Stagnation Risk

risk

#75 of 91 • Bottom 91.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.60%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 8.02%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.30%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | 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 (8 metrics)

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.51%

#18 of 306 Top 5.6% in 1B-3B tier

AMR Growth Rate

growth

Value: 7.81%

Peer Median: 3.15%

#47 of 306 Top 15.0% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.30%

Peer Median: 0.63%

#48 of 306 Top 15.4% in 1B-3B tier

Asset Growth Rate

growth

Value: 9.04%

Peer Median: 4.82%

#62 of 306 Top 19.9% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 428.890

Peer Median: 345.077

#63 of 306 Top 20.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 67.46%

Peer Median: 75.16%

#64 of 306 Top 20.6% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 2.18%

Peer Median: 13.86%

#70 of 306 Top 22.5% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 0.95%

Peer Median: 0.66%

#75 of 306 Top 24.2% in 1B-3B tier

Top Weaknesses (5 metrics)

293

First Mortgage Concentration (%)

balance_sheet

Value: 61.48%

Peer Median: 33.05%

#293 of 306 Bottom 4.6% in 1B-3B tier

290

Fee Income Per Member

profitability

Value: $95.03

Peer Median: $191.54

#290 of 306 Bottom 5.6% in 1B-3B tier

277

Member Growth Rate

growth

Value: -3.60%

Peer Median: 2.03%

#277 of 306 Bottom 9.8% in 1B-3B tier

255

Deposit Growth Rate

growth

Value: 0.57%

Peer Median: 4.44%

#255 of 306 Bottom 17.0% in 1B-3B tier

251

Net Interest Margin (NIM)

profitability

Value: 2.91%

Peer Median: 3.37%

#251 of 306 Bottom 18.3% in 1B-3B tier