BlastPoint's Credit Union Scorecard
SHARONVIEW
Charter #22458 · SC
SHARONVIEW faces 14 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
- - Efficiency Drag: Bottom 5.5% in tier
- - Accelerating Exit Risk: Bottom 13.6% in tier
- - Shrinking Wallet Share: Bottom 13.9% in tier
- - Membership Headwinds: Bottom 14.6% in tier
- - Institutional Decline: Bottom 17.7% in tier
- - Stagnation Risk: Bottom 31.0% in tier
- - ROA 1.31% below tier average
- - Efficiency ratio 27.56% above tier (higher cost structure)
- - Delinquency rate 0.58% above tier average
- - Member decline: -3.1% YoY
- - Asset Growth Rate: Bottom 2.3% in tier
- - Deposit Growth Rate: Bottom 3.0% in tier
- - Net Worth Ratio: Bottom 5.6% in tier
- - Loan Growth Rate: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
84,410
-3.1% YoY-0.6% QoQ
|
-14.3K |
98,678
-1.9% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
45% |
| Assets |
$1.4B
-9.1% YoY+1.0% QoQ
|
$-358.4M |
$1.7B
+0.5% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
34% |
| Loans |
$978.2M
-5.9% YoY+3.0% QoQ
|
$-254.8M |
$1.2B
+0.5% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
36% |
| Deposits |
$1.2B
-5.5% YoY-1.2% QoQ
|
$-295.0M |
$1.5B
+1.3% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
38% |
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| ROA |
-0.6%
-22.0% YoY-19.3% QoQ
|
-1.3% |
0.7%
+13.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.7% in tier |
| NIM |
2.5%
+18.5% YoY+2.6% QoQ
|
-0.8% |
3.3%
+9.3% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.5% in tier |
| Efficiency Ratio |
101.5%
-10.0% YoY-1.7% QoQ
|
+27.6% |
74.0%
-10.9% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
Top 0.7% in tier |
| Delinquency Rate |
1.4%
-36.7% YoY-27.4% QoQ
|
+0.6 |
0.8%
+6.1% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
Top 12.2% in tier |
| Loan To Share |
84.4%
-0.4% YoY+4.3% QoQ
|
-0.8% |
85.2%
-0.8% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$25,324
-2.7% YoY+1.3% QoQ
|
$-4K |
$29,172
+2.8% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
38% |
| CD Concentration |
28.5%
-15.1% YoY+0.6% QoQ
|
-0.5% |
29.0%
+0.7% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
5.4%
-21.9% YoY-1.2% QoQ
|
-13.4% |
18.8%
-3.0% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
26% |
Signature Analysis
Strengths (0)
Concerns (6)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)