SHARON & CRESCENT UNITED

Charter #67836 | MA

1B-3B (304 CUs) Mid-Market (380 CUs)
10 1B-3B in MA

SHARON & CRESCENT UNITED has 6 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 7.1% in tier
  • + Wallet Share Momentum: Top 7.8% in tier
  • + Emerging Performer: Top 27.0% 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
  • - Growth-at-Risk: Bottom 13.7% in tier
  • - Liquidity Overhang: Bottom 26.8% 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
 30th in tier
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
 36th in tier
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
 31st in tier
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
 Bottom 25.0% in tier
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
 54th in tier
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
 51st in tier
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
 36th in tier
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
 50th in tier
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
 48th in tier
CD Concentration 29.4%
+6.9% YoY+2.1% QoQ
 +0.4% 29.0%
+0.8% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 54th in tier
Indirect Auto % 3.2%
-46.9% YoY-16.9% QoQ
 -15.6% 18.8%
-2.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 Bottom 21.9% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#52 of 264 • Top 7.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.78%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.1K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#57 of 264 • Top 7.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.78%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Emerging Performer

growth
#144 of 184 • Top 27.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.70%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -3.65%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Concerns (5)

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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.70%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.65%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $27.1K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 29.42%
(Tier: 28.98%, National: 19.60%)
worse 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

Growth-at-Risk

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

Liquidity Overhang

risk
#87 of 113 • Bottom 26.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.40%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 88.10%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

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)

Comparing against 304 peers in tier

Top Strengths (5 metrics)

21
Asset Growth Rate
growth
Value: 12.13%
Peer Avg: 4.83%
#21 of 304 Top 6.6% in 1B-3B tier
21
Net Charge-Off Rate
risk
Value: 0.11%
Peer Avg: 0.60%
#21 of 304 Top 6.6% in 1B-3B tier
26
Members Per Employee (MPE)
engagement
Value: 472.342
Peer Avg: 364.953
#26 of 304 Top 8.2% in 1B-3B tier
48
AMR Growth Rate
growth
Value: 7.78%
Peer Avg: 3.29%
#48 of 304 Top 15.5% in 1B-3B tier
73
Indirect Auto Concentration (%)
balance_sheet
Value: 3.20%
Peer Avg: 18.32%
#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: $210.52
#299 of 304 Bottom 2.0% in 1B-3B tier
290
First Mortgage Concentration (%)
balance_sheet
Value: 61.76%
Peer Avg: 34.01%
#290 of 304 Bottom 4.9% in 1B-3B tier
273
Member Growth Rate
growth
Value: -3.65%
Peer Avg: 2.20%
#273 of 304 Bottom 10.5% in 1B-3B tier
259
Net Interest Margin (NIM)
profitability
Value: 2.60%
Peer Avg: 3.26%
#259 of 304 Bottom 15.1% in 1B-3B tier