State credit union · SHARON, Massachusetts · NCUA charter #67836
Sharon & Crescent United
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $1.40B
- Total assets
- 70,168
- Members
- 12.6%
- Net-worth ratio
Sharon & Crescent United scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.40B; members 70,168; net-worth ratio 12.56%; health rank #2,104 of 4,374; healthier than 50th of scored peers.
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NCUA 5300 Call Report Masthead
#2,104 of 4,374 health · 2025Q4Sharon & Crescent United · health 84/100 · $1.40B · 2025Q4
Call Report peers
Sharon & Crescent United in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Sharon & Crescent United vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Sharon & Crescent United sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Sharon & Crescent United vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 88.96% here, 83.90% peer average (+5.06 pp).
- Return on Assets trails the peer set - 0.29% here, 0.51% peer average (-0.22 pp).
Where Sharon & Crescent United sits in Massachusetts
- Massachusetts health ordinal: #63 of 126.
- By total assets, Sharon & Crescent United is #10 of 126 in Massachusetts.
- Massachusetts membership ordinal: #10 of 126.
- One place up in Massachusetts, First Citizens' (#62) ties at 84/100; one place down, METRO (#64) ties at 84/100.
Sharon & Crescent United: 2025Q4 → 2026Q1
Sharon & Crescent United: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $1.40B (2025Q4) to $1.41B (2026Q1).
- Net-worth ratio shifted +0.13 pp (12.43% → 12.56%).
This credit union's 12.56% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Sharon & Crescent United gives up 16 points in total. Member Growth costs the most, 12.3 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.8 pts
- Member Growth 2.7 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.56% | +1.38 pp |
| Delinquency Rate | 0.37% | -0.51 pp |
| Return on Assets | 0.29% | -0.22 pp |
| Member Growth | -3.53% | - |
| Loan-to-Share Ratio | 88.96% | +5.06 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.41B | - |
| 2025Q4 | $1.40B | 70,168 |
| 2024Q4 | $1.24B | 72,733 |
| 2023Q4 | $1.25B | 81,064 |
Credit Union Details
- Charter Number
- 67836
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- SHARON
- Data Quarter
- 2025Q4
Branch Locations (13)
Per its most recent NCUA branch filing, Sharon & Crescent United runs 13 offices in 7 different cities.
| Office | City |
|---|---|
| Operations Center (Main Office) | Sharon, MA |
| Main Office - Commercial St | Brockton, MA |
| Oak St Branch | Brockton, MA |
| Campello Branch | Brockton, MA |
| Belmont St. Branch | Brockton, MA |
| Corporate Headquarters | Brockton, MA |
| Walpole Branch | East Walpole, MA |
| Foxboro Branch | Foxboro, MA |
| Mansfield Branch | Mansfield, MA |
| North Attleboro Branch | North Attleboro, MA |
| Sharon Branch | Sharon, MA |
| Taunton Park Branch | Taunton, MA |
| Taunton Rt-140 Branch | Taunton, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Sharon & Crescent United nationwide neighbourhoods
Similar total assets
Using this data
- Sharon & Crescent United ranks #2,104 of 4,374 nationally on financial health and #63 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Anne's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Anne's
Frequently Asked Questions
Is Sharon & Crescent United financially healthy?
On its 2025Q4 NCUA 5300 filing, Sharon & Crescent United scores 84/100 (Excellent), with a 12.56% net worth ratio and 0.37% of loans delinquent. It ranks #2,104 of 4,374 nationally on health and #63 of 126 in Massachusetts.
How does Sharon & Crescent United compare to other credit unions?
Sharon & Crescent United scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (88.96% vs 83.90%). Its widest shortfall is return on assets (0.29% vs 0.51%).
How can I join Sharon & Crescent United?
Membership eligibility for Sharon & Crescent United depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Sharon & Crescent United directly for current membership requirements and application steps.
Is my money safe at Sharon & Crescent United?
Sharon & Crescent United is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Sharon & Crescent United's net worth ratio of 12.56% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.