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Sharon & Crescent United

Sharon, MA · Charter 67836

NCUA · 13 branches

Q2 2026

$1.4BAssets
$966.1MLoans
$1.1BShares
$179.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.88%, up 26 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.43% of loans (+11 bps YoY).
  • Capital: net worth / assets of 12.83%, up 75 bps from a year ago.
  • Funding: loans stand at 90.67% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+49 bps YoY

Efficiency Ratio (YTD, annualized)

67.41%-1,101 bps YoY

Net Worth / Assets

12.83%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.70%0.67%0.95%0.88%+26 bps
Return on Equity5.10%5.66%5.37%7.55%6.85%+175 bps
Net Interest Margin2.50%2.61%2.65%2.91%3.00%+49 bps
Efficiency Ratio78.42%74.66%72.81%67.46%67.41%-1,101 bps
Growth
Asset Growth (YoY)9.93%12.13%12.43%9.04%0.38%-955 bps
Loan Growth (YoY)1.50%3.49%6.54%8.02%7.22%+572 bps
Share Growth (YoY)4.91%4.15%3.81%0.57%-0.48%-540 bps
Asset Quality
Delinquent Loans / Loans0.31%0.56%0.37%0.30%0.43%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.09%12.40%12.43%12.56%12.83%+75 bps
Net Worth / Assets12.09%12.40%12.43%12.56%12.83%+75 bps
Liquidity & Funding
Loans / Shares84.16%88.10%88.96%88.54%90.67%+651 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps