State credit union · SHARON, Massachusetts · NCUA charter #67836
Sharon & Crescent United
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $1.40B
- Total assets
- 70,168
- Members
- 7.9%
- Net-worth ratio
Sharon & Crescent United - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67836, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Sharon & Crescent United - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)83
- Asset quality (delinquency)100
- Earnings (ROA)79
- Member growth18
- Liquidity (loan-to-share)100
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.94% | 30% |
| Delinquency Rate | 0.37% | 25% |
| Return on Assets | 0.29% | 15% |
| Member Growth | -3.53% | 15% |
| Loan-to-Share Ratio | 88.96% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Sharon & Crescent United
70,168 members and $1.40B in total assets sit behind Sharon & Crescent United, a state credit union in SHARON, Massachusetts, which posts a health score of 79/100 (Very Good) on the five-factor composite, with $948.0M in outstanding loans as of Q4 2025 and a net worth ratio of 7.94% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #67836 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 0.37% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 88.96% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.29% on net income of $4.0M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.53%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Sharon & Crescent United financially healthy?
Sharon & Crescent United scores 79/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.94% net worth ratio and a 0.37% delinquency rate.
How does Sharon & Crescent United compare to other credit unions?
PlainCU's health composite puts Sharon & Crescent United at 79/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Sharon & Crescent United are 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 7.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sharon & Crescent United offer compared to banks?
Credit unions like Sharon & Crescent United are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Sharon & Crescent United directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.