Headquartered in Sharon, Massachusetts, Sharon & Crescent United Credit Union is a federally insured state-chartered credit union with $1.4B in total assets and $1.1B in member shares and deposits as of Q2 2026. It operates 13 offices. Its charter dates back to 1956.
Based on its Q2 2026 filing, Sharon & Crescent United Credit Union scores 76/100, which we describe as strong. That is higher than 79% of 454 credit unions with $1 billion – $10 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 44th. Its strongest component is problem-loan coverage (95/100; 2.3%), and its lowest is earnings (55/100; 0.88%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (74 → 76), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 73 |
| Q4 2024 | 73 |
| Q1 2025 | 76 |
| Q2 2025 | 74 |
| Q3 2025 | 72 |
| Q4 2025 | 74 |
| Q1 2026 | 77 |
| Q2 2026 | 76 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.71% |
| Q3 2024 | 13.15% |
| Q4 2024 | 13.23% |
| Q1 2025 | 12.84% |
| Q2 2025 | 12.09% |
| Q3 2025 | 12.40% |
| Q4 2025 | 12.43% |
| Q1 2026 | 12.56% |
| Q2 2026 | 12.83% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.43% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.32% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.70% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.95% |
| Q2 2026 | 0.88% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $1.4B | 12.83% | 0.43% | 0.88% | 90.7% |
| Q1 2026 | 77 | $1.4B | 12.56% | 0.30% | 0.95% | 88.5% |
| Q4 2025 | 74 | $1.4B | 12.43% | 0.37% | 0.67% | 89.0% |
| Q3 2025 | 72 | $1.4B | 12.40% | 0.56% | 0.70% | 88.1% |
| Q2 2025 | 74 | $1.4B | 12.09% | 0.31% | 0.62% | 84.2% |
| Q1 2025 | 76 | $1.3B | 12.84% | 0.23% | 0.50% | 82.4% |
| Q4 2024 | 73 | $1.2B | 13.23% | 0.41% | 0.32% | 86.7% |
| Q3 2024 | 73 | $1.2B | 13.15% | 0.33% | 0.21% | 88.7% |
| Q2 2024 | 71 | $1.3B | 12.71% | 0.29% | 0.15% | 87.0% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Anne'S Credit UnionCredit union Fall River, MA | 66 out of 100, Moderate | $1.4B | 9.7% | 0.35% | vs |
| Webster First Federal Credit UnionCredit union Worcester, MA | 87 out of 100, Very strong | $1.5B | 19.7% | 0.41% | vs |
| Harvard Federal Credit UnionCredit union Cambridge, MA | 49 out of 100, Below average | $1.2B | 8.8% | 1.13% | vs |
| St. Mary'S Credit UnionCredit union Marlborough, MA | 71 out of 100, Strong | $1.0B | 11.7% | 0.08% | vs |
| Greylock Federal Credit UnionCredit union Pittsfield, MA | 67 out of 100, Moderate | $1.8B | 12.8% | 1.35% | vs |
| Hanscom Federal Credit UnionCredit union Hanscom AFB, MA | 64 out of 100, Moderate | $2.2B | 10.5% | 0.51% | vs |
Deposit insurance
Is my money safe at Sharon & Crescent United Credit Union?
Yes. Sharon & Crescent United Credit Union is a federally insured credit union (NCUA charter #67836). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 14.2% of shares and deposits ($151.3M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 12.83%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
13 locations
Branches
Sharon & Crescent United Credit Union lists 13 offices in 7 cities. Most locations:
- Brockton, MA (5)
- Sharon, MA (2)
- Taunton, MA (2)
- East Walpole, MA (1)
- Foxboro, MA (1)
- Mansfield, MA (1)
- North Attleboro, MA (1)
HMDA 2025
Mortgage lending
In 2025, Sharon & Crescent United Credit Union reported 491 home-loan applications under HMDA (LEI 549300E2EE7WCBVR5I65): 360 originated ($100,310,000 total), 62 denied, and 54 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Sharon & Crescent United Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67836
- RSSD ID
- 506098
- Primary regulator
- State + NCUA
- Established
- 1956
- Headquarters
- 30 Pond Street, Sharon, MA 02067
- Employees
- 167
Quick answers
Sharon & Crescent United Credit Union: common questions
Is Sharon & Crescent United Credit Union NCUA insured?
Yes. Sharon & Crescent United Credit Union is a federally insured credit union (NCUA charter #67836). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Sharon & Crescent United Credit Union's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Sharon & Crescent United Credit Union have?
13 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Sharon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Watertown Municipal Credit UnionCredit union Watertown, MA | 91 out of 100, Very strong | $9.7M | 36.9% | 0.00% | vs |
| Attleboro M E Federal Credit UnionCredit union Attleboro, MA | 90 out of 100, Very strong | $24.6M | 13.7% | 0.13% | vs |