SHARONVIEW

Charter #22458 | SC

1B-3B (304 CUs) Mid-Market (380 CUs)
8 1B-3B in SC

SHARONVIEW faces 14 concerns requiring attention

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
 45th in tier
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
 34th in tier
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
 36th in tier
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
 38th in tier
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
 38th in tier
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
 38th in tier
CD Concentration 28.5%
-15.1% YoY+0.6% QoQ
 -0.5% 29.0%
+0.8% YoY
 17.4%
+3.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 5.4%
-21.9% YoY-1.2% QoQ
 -13.4% 18.8%
-2.8% YoY
 5.9%
-5.3% YoY
 7.9%
-2.9% YoY
 26th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk
#19 of 96 • Bottom 5.5% in tier

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

Why This Signature
Efficiency Ratio: 101.53%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.17% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -3.06%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank worsening

Accelerating Exit Risk

decline
#7 of 13 • Bottom 13.6% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -3.06%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -2.66%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
13 of 380 Mid-Market CUs have this signature | 73 nationally
↓ Shrinking -8 CUs YoY

Shrinking Wallet Share

decline
#43 of 83 • Bottom 13.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.66%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Membership Headwinds

decline
#36 of 85 • Bottom 14.6% in tier

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

Why This Signature
Member Growth (YoY): -3.06%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank worsening

Institutional Decline

decline
#19 of 31 • Bottom 17.7% in tier

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

Why This Signature
Total Assets: $1.36B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
Member Growth (YoY): -3.06%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -5.86%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY | Rank worsening

Stagnation Risk

risk
#75 of 85 • Bottom 31.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.60%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.06%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.3K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 28.46%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 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)

Comparing against 304 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (11 metrics)

303
Efficiency Ratio
profitability
Value: 101.53%
Peer Avg: 73.97%
#303 of 304 Bottom 0.7% in 1B-3B tier
302
Return on Assets (ROA)
profitability
Value: -0.60%
Peer Avg: 0.70%
#302 of 304 Bottom 1.0% in 1B-3B tier
298
Asset Growth Rate
growth
Value: -9.13%
Peer Avg: 4.83%
#298 of 304 Bottom 2.3% in 1B-3B tier
296
Deposit Growth Rate
growth
Value: -5.46%
Peer Avg: 5.58%
#296 of 304 Bottom 3.0% in 1B-3B tier
288
Net Worth Ratio
risk
Value: 8.57%
Peer Avg: 11.44%
#288 of 304 Bottom 5.6% in 1B-3B tier
284
Loan Growth Rate
growth
Value: -5.86%
Peer Avg: 5.27%
#284 of 304 Bottom 6.9% in 1B-3B tier
271
AMR Growth Rate
growth
Value: -2.66%
Peer Avg: 3.29%
#271 of 304 Bottom 11.2% in 1B-3B tier
269
Net Interest Margin (NIM)
profitability
Value: 2.51%
Peer Avg: 3.26%
#269 of 304 Bottom 11.8% in 1B-3B tier
269
Member Growth Rate
growth
Value: -3.06%
Peer Avg: 2.20%
#269 of 304 Bottom 11.8% in 1B-3B tier
268
Total Delinquency Rate (60+ days)
risk
Value: 1.40%
Peer Avg: 0.83%
#268 of 304 Bottom 12.2% in 1B-3B tier