# SHARON & CRESCENT UNITED
SHARON, MA · NCUA charter 67836 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sharon-and-crescent-united-67836

Who the members are: state charter, organized 1956. 70,338 members of 5,375,632 potential (1.3% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.41B |
| Members | 70,338 (-3.6% YoY) |
| Full-time staff | 156 |
| Net worth | $177.2M |
| Net worth ratio | 12.6% (p77 of band) |
| ROA (annualized) | 0.95% (p72 of band) |
| Total delinquency | 0.30% (p15 of band) |
| Net charge-offs (annualized) | 0.08% (p5 of band) |
| Loans / shares | 89% (p57 of band) |
| Cash / assets | 6.3% |
| Borrowings / assets | 10.35% |
| Net interest margin | 2.91% (p22 of band) |
| Operating expense / assets | 2.28% (p11 of band) |
| Vehicles % of loans | 6% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 36% |
| Third-party paper % of net worth | 25% (p18 of band) |
| Vehicle delinquency | 0.16% (p8 of band) |
| Vehicle NCO | 1.31% (p67 of band) |
| Repossessed % of vehicle book | 0.07% (p48 of band) |
| Real estate % of loans | 76% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 73% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 28% |
| Average share balance | $8,321 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $6.4M |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $55,388 |
| Loans granted, annualized | $189.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $6.4M outstanding purchased (3.6% of net worth), $541,394 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 0.6% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 1 | loans>95% of shares |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | loans>95% of shares |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 2 | delinquency rising, 3rd-party paper>100% NW |  |
| 2020-06 | 0 |  | delinquency rising, 3rd-party paper>100% NW |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 0 |  | net worth falling |
| 2021-03 | 1 | members leaving |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | members leaving |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | leaning on borrowings |  |
| 2023-03 | 2 | net worth falling |  |
| 2023-06 | 0 |  | leaning on borrowings, net worth falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | leaning on borrowings |  |
| 2024-03 | 3 | net worth falling, delinquency rising |  |
| 2024-06 | 1 |  | net worth falling, delinquency rising |
| 2024-09 | 1 | members leaving | leaning on borrowings |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | net worth falling, leaning on borrowings |  |
| 2025-09 | 3 | delinquency rising | net worth falling |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-07-01 [SCU Credit Union agrees to settle overdraft and NSF fee class action lawsuit for $725K - Claim Depot](https://news.google.com/rss/articles/CBMifEFVX3lxTE1BQ1VzeFoyaDhjU3JLa0lra3R5TnNjS084M1NXbXUwVWFxNkcydUViZ2ZMc0k4LU14eEdCSFh1RnUyUzlEc1pzbEZ4WjRaLXVIN3ducXdDWktIaW5MLVdlTm9wcDJ0aHVFWmxQeHJJeVU4cjByOEx3N0hqVms?oc=5) · Claim Depot
- 2022-07-13 [Disclosures Shed Light on Finances of Candidates for Massachusetts Governor - NBC Boston](https://news.google.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?oc=5) · NBC Boston
- 2025-06-26 [Sharon & Crescent United Credit Union $725K Settlement - Claim Depot](https://news.google.com/rss/articles/CBMidEFVX3lxTE52NGdLNVpxSHkwRUhGZENsWFhCSkZUMHp4NlFTMFM0ckh5ZFU4bXlza2E1clUxXzluSTlLNmFDQlI0QXBVUXBHblZQdEUxS2hRVGk1TmFYaWYwdFV4TUpVNVMxWF9obElKelFtcmM3RWFDQl92?oc=5) · Claim Depot

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67836 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/60.json (key "67836", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67836
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide