SHARON & CRESCENT UNITED
Charter #67836 · SHARON, MA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.95% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.92% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.08% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 67.46% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 61st — a 42-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SHARON & CRESCENT UNITED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.41B | 25th pct | 56th pct |
| Members | 70,338 | 18th pct | 61th pct |
| Net worth ratio | 12.56% | 77th pct | 74th pct |
| Return on average assets | 0.95% | 70th pct | 80th pct |
| Net interest margin | 2.92% | 23th pct | 41th pct |
| Cost of funds | 0.92% | 19th pct | 16th pct |
| Loan-to-share | 88.54% | 56th pct | 51th pct |
| Delinquency 60+ days | 0.30% | 14th pct | 26th pct |
| Net charge-off ratio | 0.08% | 4th pct | 25th pct |
| Loan growth YoY | 2.52% | 61th pct | 67th pct |
| Share growth YoY | 2.02% | 18th pct | 21th pct |
| Efficiency ratio | 67.46% | 31th pct | 16th pct |
structural peer set hash: 237014bab02eb28fd11a4fd4a996f331… (reproducible)
Closest structural peers
This is the free public view
Claim SHARON & CRESCENT UNITED
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.