BlastPoint's Credit Union Scorecard

SHARON & CRESCENT UNITED

Charter #67836 · MA

Mid-Market 1B-3B

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

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SHARON & CRESCENT UNITED has 4 strengths but faces 9 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 48.7% in tier
+ Asset Growth Rate: Top 6.6% in tier
+ Net Charge-Off Rate: Top 6.6% in tier
+ Members Per Employee (MPE): Top 8.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.8% in tier
- Stagnation Risk: Bottom 8.8% in tier
- Membership Headwinds: Bottom 13.0% in tier
- Credit Risk Growth: Bottom 13.7% in tier
- ROA 0.01% below tier average
- Efficiency ratio 0.69% above tier (higher cost structure)
- Member decline: -3.6% YoY
- Fee Income Per Member: Bottom 2.0% in tier
- First Mortgage Concentration (%): Bottom 4.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	73,213 -3.6% YoY+0.3% QoQ	-25.5K	98,678 -1.9% YoY	27,447 +2.6% YoY	33,089 +6.1% YoY	30%
Assets	$1.4B +12.1% YoY-0.8% QoQ	$-334.0M	$1.7B +0.5% YoY	$440.2M +4.2% YoY	$547.7M +7.8% YoY	36%
Loans	$930.5M +3.5% YoY+3.3% QoQ	$-302.6M	$1.2B +0.5% YoY	$341.2M +2.4% YoY	$388.7M +8.6% YoY	31%
Deposits	$1.1B +4.2% YoY-1.4% QoQ	$-398.2M	$1.5B +1.3% YoY	$366.8M +5.5% YoY	$464.6M +9.3% YoY	25%

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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% +236.5% YoY+9.2% QoQ	-0.0%	0.7% +13.4% YoY	0.7% +17.3% YoY	0.7% +273.4% YoY	54%
NIM	2.6% +9.0% YoY-0.1% QoQ	-0.7%	3.3% +9.3% YoY	3.3% +3.8% YoY	3.7% +5.0% YoY	Bottom 14.8% in tier
Efficiency Ratio	74.7% -13.9% YoY-4.8% QoQ	+0.7%	74.0% -10.9% YoY	80.4% -4.7% YoY	79.1% -3.3% YoY	51%
Delinquency Rate	0.6% +70.7% YoY+77.8% QoQ	-0.3	0.8% +6.1% YoY	0.9% -6.0% YoY	1.2% -0.9% YoY	36%
Loan To Share	88.1% -0.6% YoY+4.7% QoQ	+2.9%	85.2% -0.8% YoY	74.2% -1.7% YoY	68.0% -1.7% YoY	50%
AMR	$27,135 +7.8% YoY+0.4% QoQ	$-2K	$29,172 +2.8% YoY	$24,707 +3.7% YoY	$19,418 +1.3% YoY	48%
CD Concentration	29.4% +6.9% YoY+2.1% QoQ	+0.5%	29.0% +0.7% YoY	24.8% +8.8% YoY	19.6% +6.2% YoY	54%
Indirect Auto %	3.2% -46.9% YoY-16.9% QoQ	-15.6%	18.8% -3.0% YoY	2.6% -15.5% YoY	7.9% -2.9% YoY	22%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#57 of 116 • Top 48.7% in tier

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

Why This Signature

AMR Growth (YoY): 7.78%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk

#61 of 217 • Bottom 7.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.23% points

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

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | New qualifier

Stagnation Risk

risk

#22 of 85 • Bottom 8.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.65%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 3.49%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.56%

(Tier: 0.83%, National: 1.23%)

but better than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank improving

Membership Headwinds

decline

#32 of 85 • Bottom 13.0% in tier

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

Why This Signature

Member Growth (YoY): -3.65%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank worsening

Credit Risk Growth

risk

#77 of 161 • Bottom 13.7% in tier

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

Why This Signature

Loan Growth (YoY): 3.49%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.23% points

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

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 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 304 peers in tier

Top Strengths (5 metrics)

Asset Growth Rate

growth

Value: 12.13%

Peer Avg: -

#21 of 304 Top 6.6% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.11%

Peer Avg: -

#21 of 304 Top 6.6% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 472.342

Peer Avg: -

#26 of 304 Top 8.2% in 1B-3B tier

AMR Growth Rate

growth

Value: 7.78%

Peer Avg: -

#48 of 304 Top 15.5% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 3.20%

Peer Avg: -

#73 of 304 Top 23.7% in 1B-3B tier

Top Weaknesses (4 metrics)

299

Fee Income Per Member

profitability

Value: $68.51

Peer Avg: -

#299 of 304 Bottom 2.0% in 1B-3B tier

290

First Mortgage Concentration (%)

balance_sheet

Value: 61.76%

Peer Avg: -

#290 of 304 Bottom 4.9% in 1B-3B tier

273

Member Growth Rate

growth

Value: -3.65%

Peer Avg: -

#273 of 304 Bottom 10.5% in 1B-3B tier

259

Net Interest Margin (NIM)

profitability

Value: 2.60%

Peer Avg: -

#259 of 304 Bottom 15.1% in 1B-3B tier