BlastPoint's Credit Union Scorecard
SHARONVIEW
Charter #22458 · SC
SHARONVIEW faces 8 concerns requiring attention
How does the industry compare?
What's your peer group doing?
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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in South Carolina.
- Shares and deposits +0.3% year over year ($1.18B in shares and deposits).
- Membership: 81,582 members, -3.9% vs a year ago.
- Delinquency rate 1.18%.
- Return on assets 0.23%.
- Efficiency ratio 96.70% vs a 73.02% peer average.
- Loan-to-share ratio 80.28% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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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| 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)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)