BlastPoint's Credit Union Scorecard

SHARONVIEW

Charter #22458 · SC

Mid-Market 1B-3B

Sharonview at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Sharonview is one of 101 credit unions in the 2026 VentureTech card set. We also found Sharonview's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Sharonview

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SHARONVIEW
PEER · AT VENTURETECH
PEER · AT VENTURETECH
SHARONVIEW'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 8 in SC

View Mid-Market leaderboard →

SHARONVIEW at a glance

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

SC Analysis

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 1.6% in tier
- Institutional Decline: Bottom 74.1% in tier
- Stagnation Risk: Bottom 93.0% in tier
- Membership Headwinds: Bottom 93.0% in tier
- ROA 0.59% below tier average
- Efficiency ratio 23.68% above tier (higher cost structure)
- Delinquency rate 0.32% above tier average
- Member decline: -3.9% YoY

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	81,582 -3.9% YoY-1.5% QoQ	-15.3K	96,861 -1.9% YoY	38,222 +5.6% YoY	34,678 +6.6% YoY	44%
Assets	$1.3B -1.5% YoY-1.7% QoQ	$-396.1M	$1.7B +0.4% YoY	$548.9M +9.6% YoY	$593.1M +10.2% YoY	32%
Loans	$944.9M -0.5% YoY-3.6% QoQ	$-289.3M	$1.2B +0.7% YoY	$385.7M +10.8% YoY	$418.6M +10.1% YoY	31%
Deposits	$1.2B +0.3% YoY+0.7% QoQ	$-286.3M	$1.5B +0.5% YoY	$462.6M +9.2% YoY	$504.8M +10.3% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% -131.0% YoY-200.6% QoQ	-0.6%	0.8% +27.6% YoY	0.9% -19.6% YoY	1.2% +121.4% YoY	Bottom 6.7% in tier
NIM	2.7% +8.9% YoY+1.2% QoQ	-0.8%	3.4% +6.6% YoY	4.2% -1.3% YoY	3.8% +2.3% YoY	Bottom 10.3% in tier
Efficiency Ratio	96.7% -6.4% YoY-0.0% QoQ	+23.7%	73.0% -2.7% YoY	79.7% +5.8% YoY	83.0% -5.3% YoY	Bottom 1.3% in tier
Delinquency Rate	1.2% -38.7% YoY+5.1% QoQ	+0.3	0.9% +7.3% YoY	1.1% +14.2% YoY	1.3% +2.6% YoY	78%
Loan To Share	80.3% -0.8% YoY-4.3% QoQ	-4.4%	84.7% +0.1% YoY	70.2% -0.9% YoY	66.4% -1.4% YoY	32%
AMR	$26,010 +4.0% YoY+0.3% QoQ	$-4K	$29,575 +1.5% YoY	$17,221 +4.1% YoY	$20,028 -0.9% YoY	36%
CD Concentration	25.9% -8.6% YoY-1.4% QoQ	-3.2%	29.1%	18.3%	20.0%	37%
Indirect Auto %	4.3% -21.5% YoY-22.1% QoQ	-13.8%	18.1%	6.0%	7.7%	22%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Stagnation Risk

risk

#12 of 86 • Bottom 93.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.93%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.55%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.18%

(Tier: 0.86%, National: 1.26%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank improving

Membership Headwinds

decline

#27 of 86 • Bottom 93.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.93%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank worsening

Efficiency Drag

risk

#35 of 71 • Bottom 1.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 96.70%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.98% points

(Tier: 0.18% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -3.93%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank worsening

Institutional Decline

decline

#19 of 25 • Bottom 74.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $1.33B

(Tier: $2.16B, National: $593.11M)

worse than tier avg

Member Growth (YoY): -3.93%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.55%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

25 of 377 Mid-Market CUs have this signature | 261 nationally

↓ Shrinking -12 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 4.28%

Peer Median: 14.26%

#74 of 300 Top 24.3% in 1B-3B tier

Top Weaknesses (10 metrics)

298

Net Worth Ratio

risk

Value: 7.63%

Peer Median: 10.91%

#298 of 300 Bottom 1.0% in 1B-3B tier

297

Efficiency Ratio

profitability

Value: 96.70%

Peer Median: 73.62%

#297 of 300 Bottom 1.3% in 1B-3B tier

280

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Median: 0.77%

#280 of 300 Bottom 7.0% in 1B-3B tier

277

Member Growth Rate

growth

Value: -3.93%

Peer Median: 1.84%

#277 of 300 Bottom 8.0% in 1B-3B tier

276

Asset Growth Rate

growth

Value: -1.49%

Peer Median: 5.21%

#276 of 300 Bottom 8.3% in 1B-3B tier

269

Net Interest Margin (NIM)

profitability

Value: 2.67%

Peer Median: 3.46%

#269 of 300 Bottom 10.7% in 1B-3B tier

259

Deposit Growth Rate

growth

Value: 0.27%

Peer Median: 4.79%

#259 of 300 Bottom 14.0% in 1B-3B tier

252

Loan Growth Rate

growth

Value: -0.55%

Peer Median: 5.71%

#252 of 300 Bottom 16.3% in 1B-3B tier

235

Total Delinquency Rate (60+ days)

risk

Value: 1.18%

Peer Median: 0.70%

#235 of 300 Bottom 22.0% in 1B-3B tier

226

First Mortgage Concentration (%)

balance_sheet

Value: 42.76%

Peer Median: 33.59%

#226 of 300 Bottom 25.0% in 1B-3B tier