BlastPoint's Credit Union Scorecard
SHARONVIEW
Charter #22458 · SC
SHARONVIEW faces 11 concerns requiring attention
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How does SC stack up?
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 21.4% in tier
- - Efficiency Drag: Bottom 25.8% in tier
- - Membership Headwinds: Bottom 39.3% in tier
- - ROA 1.82% below tier average
- - Efficiency ratio 38.91% above tier (higher cost structure)
- - Delinquency rate 0.50% above tier average
- - Member decline: -3.3% YoY
- - Net Worth Ratio: Bottom 0.7% in tier
- - Deposit Growth Rate: Bottom 3.0% in tier
- - Asset Growth Rate: Bottom 6.3% in tier
- - Net Interest Margin (NIM): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,551
-3.3% YoY-1.0% QoQ
|
-13.9K |
97,431
-2.4% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$1.4B
-2.7% YoY+1.0% QoQ
|
$-348.9M |
$1.7B
+0.9% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$1.0B
+0.3% YoY+3.0% QoQ
|
$-226.7M |
$1.2B
+0.5% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$1.1B
-5.6% YoY-1.3% QoQ
|
$-315.1M |
$1.5B
+0.9% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
-1.1%
+48.6% YoY+88.1% QoQ
|
-1.8% |
0.7%
+20.9% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.3% in tier |
| NIM |
2.5%
+13.1% YoY-0.0% QoQ
|
-0.8% |
3.3%
+9.2% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.6% in tier |
| Efficiency Ratio |
113.0%
+2.3% YoY+11.3% QoQ
|
+38.9% |
74.1%
-9.5% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 0.3% in tier |
| Delinquency Rate |
1.4%
-25.3% YoY-0.8% QoQ
|
+0.5 |
0.9%
+6.2% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
Top 14.6% in tier |
| Loan To Share |
88.1%
+6.2% YoY+4.4% QoQ
|
+3.3% |
84.8%
-0.8% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$25,755
+0.4% YoY+1.7% QoQ
|
$-4K |
$29,428
+2.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
27.9%
-14.9% YoY-1.9% QoQ
|
-1.1% | 29.0% | 17.8% | 19.8% | 47% |
| Indirect Auto % |
5.4%
-20.9% YoY+1.1% QoQ
|
-12.9% | 18.3% | 5.9% | 7.8% | 26% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)