BlastPoint's Credit Union Scorecard

SHARONVIEW

Charter #22458 · SC

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

SHARONVIEW faces 8 concerns requiring attention

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
- Stagnation Risk: Bottom 89.7% in tier
- Membership Headwinds: Bottom 89.7% in tier
- ROA 0.95% below tier average
- Efficiency ratio 22.08% above tier (higher cost structure)
- Delinquency rate 0.37% above tier average
- Member decline: -3.2% YoY
- Net Worth Ratio: Bottom 1.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	82,853 -3.2% YoY-0.8% QoQ	-13.2K	96,048 -2.7% YoY	37,268 +3.6% YoY	33,913 +5.7% YoY	45%
Assets	$1.4B -2.8% YoY-1.7% QoQ	$-369.3M	$1.7B +0.4% YoY	$534.3M +6.5% YoY	$578.3M +9.0% YoY	35%
Loans	$980.3M -0.2% YoY-2.7% QoQ	$-233.4M	$1.2B +0.2% YoY	$369.7M +7.8% YoY	$402.4M +8.7% YoY	37%
Deposits	$1.2B -2.5% YoY+2.2% QoQ	$-296.6M	$1.5B +0.5% YoY	$450.9M +6.0% YoY	$494.3M +9.1% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.2% -77.8% YoY-79.7% QoQ	-0.9%	0.7% +27.6% YoY	0.7% -43.3% YoY	0.4% -39.2% YoY	Bottom 1.6% in tier
NIM	2.6% +14.5% YoY+4.9% QoQ	-0.7%	3.4% +6.2% YoY	4.1% -0.5% YoY	3.8% +4.1% YoY	Bottom 10.8% in tier
Efficiency Ratio	96.7% -12.5% YoY-14.4% QoQ	+22.1%	74.6% -3.0% YoY	81.4% +7.0% YoY	84.6% +2.8% YoY	Bottom 1.3% in tier
Delinquency Rate	1.1% -34.8% YoY-19.0% QoQ	+0.4	0.8% +6.9% YoY	0.8% +19.1% YoY	1.2% +3.4% YoY	84%
Loan To Share	83.9% +2.4% YoY-4.8% QoQ	+0.7%	83.2% -0.4% YoY	69.5% -0.5% YoY	65.6% -1.4% YoY	46%
AMR	$25,941 +1.8% YoY+0.7% QoQ	$-4K	$29,652 +2.3% YoY	$16,971 +2.3% YoY	$19,920 +1.6% YoY	36%
CD Concentration	26.3% -10.8% YoY-6.0% QoQ	-2.6%	28.8%	18.0%	19.8%	40%
Indirect Auto %	5.5% -20.5% YoY+0.8% QoQ	-12.6%	18.1%	5.9%	7.7%	26%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Stagnation Risk

risk

#18 of 91 • Bottom 89.7% 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): -3.24%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.23%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.13%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Membership Headwinds

decline

#40 of 91 • Bottom 89.7% in tier

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

Why This Signature

Member Growth (YoY): -3.24%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Efficiency Drag

risk

#45 of 100 • 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: 96.71%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.80% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -3.24%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 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 306 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (10 metrics)

303

Efficiency Ratio

profitability

Value: 96.71%

Peer Median: 75.16%

#303 of 306 Bottom 1.3% in 1B-3B tier

303

Net Worth Ratio

risk

Value: 7.56%

Peer Median: 10.85%

#303 of 306 Bottom 1.3% in 1B-3B tier

301

Return on Assets (ROA)

profitability

Value: -0.23%

Peer Median: 0.66%

#301 of 306 Bottom 2.0% in 1B-3B tier

290

Asset Growth Rate

growth

Value: -2.81%

Peer Median: 4.82%

#290 of 306 Bottom 5.6% in 1B-3B tier

285

Deposit Growth Rate

growth

Value: -2.54%

Peer Median: 4.44%

#285 of 306 Bottom 7.2% in 1B-3B tier

273

Net Interest Margin (NIM)

profitability

Value: 2.63%

Peer Median: 3.37%

#273 of 306 Bottom 11.1% in 1B-3B tier

272

Member Growth Rate

growth

Value: -3.24%

Peer Median: 2.03%

#272 of 306 Bottom 11.4% in 1B-3B tier

259

Total Delinquency Rate (60+ days)

risk

Value: 1.13%

Peer Median: 0.63%

#259 of 306 Bottom 15.7% in 1B-3B tier

252

Loan Growth Rate

growth

Value: -0.23%

Peer Median: 5.67%

#252 of 306 Bottom 18.0% in 1B-3B tier

242

Net Charge-Off Rate

risk

Value: 0.81%

Peer Median: 0.51%

#242 of 306 Bottom 21.2% in 1B-3B tier