BlastPoint's Credit Union Scorecard
SHARON & CRESCENT UNITED
Charter #67836 · MA
SHARON & CRESCENT UNITED has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 22.0% in tier
- + ROA 0.06% above tier average
- + Net Charge-Off Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 33.6% in tier
- - Liquidity Strain: Bottom 42.9% in tier
- - Credit Risk Growth: Bottom 43.3% in tier
- - Membership Headwinds: Bottom 92.5% in tier
- - Stagnation Risk: Bottom 92.5% in tier
- - Member decline: -3.3% YoY
- - Fee Income Per Member: Bottom 2.7% in tier
- - First Mortgage Concentration (%): Bottom 4.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Massachusetts.
- Shares and deposits -0.5% year over year ($1.07B in shares and deposits).
- Membership: 70,546 members, -3.3% vs a year ago.
- Delinquency rate 0.43%.
- Return on assets 0.88%.
- Efficiency ratio 67.41% vs a 73.02% peer average.
- Loan-to-share ratio 90.67% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70,546
-3.3% YoY+0.3% QoQ
|
-26.3K |
96,861
-1.9% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
28% |
| Assets |
$1.4B
+0.4% YoY-0.7% QoQ
|
$-322.6M |
$1.7B
+0.4% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
37% |
| Loans |
$966.2M
+7.2% YoY+1.3% QoQ
|
$-268.1M |
$1.2B
+0.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$1.1B
-0.5% YoY-1.1% QoQ
|
$-397.8M |
$1.5B
+0.5% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
27% |
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| ROA |
0.9%
+37.0% YoY-7.5% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
61% |
| NIM |
3.0%
+15.0% YoY+2.7% QoQ
|
-0.4% |
3.4%
+6.6% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
67.4%
-14.0% YoY-0.1% QoQ
|
-5.6% |
73.0%
-2.7% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
0.4%
+35.6% YoY+41.0% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
90.7%
+7.7% YoY+2.4% QoQ
|
+6.0% |
84.7%
+0.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
62% |
| AMR |
$28,800
+6.6% YoY-0.3% QoQ
|
$-775 |
$29,575
+1.5% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
27.9%
-3.1% YoY-0.1% QoQ
|
-1.2% | 29.1% | 25.4% | 20.0% | 46% |
| Indirect Auto % |
1.8%
-53.7% YoY-18.2% QoQ
|
-16.3% | 18.1% | 2.4% | 7.7% | 19% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)