Sharon & Crescent United
Sharon, MA · Charter 67836 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
$1.4BAssets
$966.1MLoans
$1.1BShares
$179.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 78% of credit unions $1B-$10B in assets (rank 96 of 435).
- Widest gap: net interest margin trails 77% of credit unions $1B-$10B in assets (rank 334 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.88%
Rank 190 of 435
Net Interest Margin
3.00%
Rank 334 of 435
Efficiency Ratio
67.41%
Rank 148 of 435
Equity / Assets
12.83%
Rank 96 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.55% | 0.81% | 1.14% | Beats 56% | 190 / 435 | | |
| Return on Equity | 6.85% | 5.12% | 7.41% | 9.70% | Beats 43% | 246 / 435 | | |
| Net Interest Margin | 3.00% | 3.01% | 3.39% | 3.75% | Beats 23% | 334 / 435 | | |
| Efficiency Ratio | 67.41% | 65.25% | 71.39% | 77.86% | Beats 66% | 148 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.45% | 0.69% | 1.05% | Beats 77% | 101 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.83% | 9.81% | 10.84% | 12.63% | Beats 78% | 96 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.83% | 9.81% | 10.84% | 12.63% | Beats 78% | 96 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.67% | 78.33% | 88.38% | 95.61% | 58th pctl | 182 / 435 | | |
| Loans / Assets | 68.93% | 67.69% | 74.58% | 80.80% | 29th pctl | 308 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |