# SHARONVIEW
Fort Mill, SC · NCUA charter 22458 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sharonview-22458

Who the members are: federal charter, multiple common bond, organized 1976, low-income designated. 82,853 members of 3,368,558 potential (2.5% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.35B |
| Members | 82,853 (-3.2% YoY) |
| Full-time staff | 267 |
| Net worth | $102.1M |
| Net worth ratio | 7.6% (p2 of band) |
| ROA (annualized) | -0.23% (p2 of band) |
| Total delinquency | 1.13% (p85 of band) |
| Net charge-offs (annualized) | 0.81% (p77 of band) |
| Loans / shares | 84% (p43 of band) |
| Cash / assets | 5.4% |
| Borrowings / assets | 5.48% |
| Net interest margin | 2.63% (p14 of band) |
| Operating expense / assets | 3.91% (p83 of band) |
| Vehicles % of loans | 20% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 28% |
| Third-party paper % of net worth | 79% (p34 of band) |
| Vehicle delinquency | 1.29% (p87 of band) |
| Vehicle NCO | 1.81% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 6% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 26% |
| Average share balance | $6,039 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $213.2M |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $27,638 |
| Loans granted, annualized | $132.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $213.2M outstanding purchased (208.7% of net worth), $14.7M sold and retained. Sold in 3 and bought in 2 of the last 8 quarters. Shares -2.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, leaning on borrowings |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | losing money, charge-offs p90 |  |
| 2017-06 | 3 |  | net worth falling, losing money |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 | net worth falling | charge-offs p90 |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 6 | losing money, margin squeeze, charge-offs p90, assets shrinking |  |
| 2020-06 | 7 | net worth falling, loan book shrinking | assets shrinking |
| 2020-09 | 7 | delinquency 2x band | net worth falling |
| 2020-12 | 4 |  | loans>95% of shares, losing money, delinquency 2x band |
| 2021-03 | 4 | delinquency 2x band | charge-offs p90 |
| 2021-06 | 3 |  | loan book shrinking |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 | net worth falling | margin squeeze |
| 2022-03 | 5 | losing money, 3rd-party paper>100% NW |  |
| 2022-06 | 7 | thin capital, loans>95% of shares |  |
| 2022-09 | 7 |  |  |
| 2022-12 | 7 |  |  |
| 2023-03 | 9 | delinquency rising, charge-offs p90, members leaving | net worth falling |
| 2023-06 | 10 | assets shrinking |  |
| 2023-09 | 10 | loan book shrinking | thin capital |
| 2023-12 | 9 | thin capital | loans>95% of shares, delinquency rising |
| 2024-03 | 9 | net worth falling | 3rd-party paper>100% NW |
| 2024-06 | 9 | delinquency rising | net worth falling |
| 2024-09 | 9 |  |  |
| 2024-12 | 9 | expense trap | delinquency rising |
| 2025-03 | 9 | delinquency rising | charge-offs p90 |
| 2025-06 | 7 |  | leaning on borrowings, delinquency rising |
| 2025-09 | 6 | leaning on borrowings | loan book shrinking, expense trap |
| 2025-12 | 6 | net worth falling, expense trap | delinquency 2x band, assets shrinking |
| 2026-03 | 4 |  | net worth falling, expense trap |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-11-16 [Sharonview in South Carolina promotes chief revenue officer to CEO - American Banker](https://news.google.com/rss/articles/CBMitgFBVV95cUxNRm44OGZUeDEydVBXTjRyaE5ka2VBalp6b2VJNVFISWFvcV8yVV9BR3JZYWlRemo2LWx0ekFvVEV6TUxyOHJKR1llMGJKMmQ2c3dMeGtkd0lJbUpvem9VdGtRa2hNQXZMN3JjUUZ0Nlo4Zm04VDJnd3BnUFAtZzlCV3Z4bkRuTklFbDhzRm15OFNhQ3pHSVBVQ09fTGZUeXFKUVg3UW1HZTRRdFU0dUJmUmFuSGc3QQ?oc=5) · American Banker
- 2018-07-26 [A familiar company is opening a new Indian Land headquarters. And it’s hiring. - Rock Hill Herald](https://news.google.com/rss/articles/CBMibkFVX3lxTFBNa0lSc3l1S2x3SUtQRHN4Skh2N2JhaE0zWk95bTZQcWxHOEVVcmUxQzlOdk9QYTM4cXRKZ1lack9nNHFjcnppSng5NEl4TTNzdTJuQUZmdTlKMGctcERuU0xnNHNvSk1NcWRDaGh30gFuQVVfeXFMT1JpaHBPZ0NYN05RdTNzRnJEcGNZV0wwRFR4M1pDRGFRaXJESVBnUC1OeXNFY25tVGxJb2VrcU8xalNnZFNrZHFsbFR6akQwQXRaVDFsb1Z4ZlQ0RnJPakdRc24yLVRHYkJPVDdJZlE?oc=5) · Rock Hill Herald
- 2020-07-22 [Indian Land-based Sharonview Federal Credit Union buying two South Carolina branches from Bank OZK - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQalh2R1lHcHY5b2kzMXU4b2tIY1BvYjF0eG1meXZlYm9PR09zNDlBSndqWmtPdGxzTTZfbjNsdFQwUU1KNHRoQkpHQk5LQjU3MmdEVHhPWW9jWlZCNVNMcEphRXdYY21kZnI2ZjdhdzE0WFNxdm5fTGxseTgzb3RkU3VsYlhlUkpSREFEeklmQUJNQnFydkxraTlXTHNCdGgzd01GT2hmbw?oc=5) · The Business Journals
- 2026-08-05 [Sharonview Federal Credit Union Announces 2026 Scholarship Recipients - newswire.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxNUm9yNGNLSG1LdnhmekVXSTdKM2hXRlBwdUlPYzZVaEs4NlBqYUtVczFSVC1FMlBybnNMeExpQ1BuSDVCaXVzWDdKUTBWZnNObUNISmVQZDFaQm05NmFWOHVzQUpVR1AxRmJKMjNkd2ZueU1fNFVzRVBJVk1sZ0RoVmR2N3FlYWU0MVE1d1RfdVpyc0duQlZRZjlCOEtQNGQz?oc=5) · newswire.com
- 2021-11-23 [Sharonview Federal Credit Union Promotes David Brand to SVP - citybiz.co](https://news.google.com/rss/articles/CBMinwFBVV95cUxPbHk5Q3JycTR5djVkZ1JqS2otTjZnX25CT01TVjRuSDJQZjV6QmR6T0ZDdnR2YVFVdXVDT2VSSDFxcHRVUEJET3o0YWpmaWpZUHpSNHA1YUlYMHJEaDA5aFhCbnBRSEVVMzF6N1BlMmxPQzNzUERDT0hTdmVNUTdNZGFlTUo2OUMwVXBuNWh1WmxQY0RMNE9QbmZISVZhLVU?oc=5) · citybiz.co
- 2021-04-13 [Pandemic leads Sharonview FCU to rethink branch layout, features - American Banker](https://news.google.com/rss/articles/CBMisgFBVV95cUxOTFdwcElhRXViamRLdFF6clVndFgxZXM0WXEwT0VWcWZtR05MN1dIcTNGczZodkJPbEtzcDZIX0lfVmZvQ1NtaHFkbHFzUzFvV19YRE9yLTJOQlVIb2hXTm5CbjVGN2piT3d2ZkpabXpCa0g0eGtaTWpiMkJscWxEVjVVVU9jdWxURDRSdEEyQ1ZCaDJDV0NfbTBvY2VZSGhFMHBKOVZ2Y011SXZSdl92TFdB?oc=5) · American Banker
- 2021-07-28 [Sharonview Federal Credit Union hits membership milestone, adds new products to keep growing - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPUk5ya1hGQy1BMUhkZlpqYmMxNFY2dEZ6NXJOTFJvMWtuR1JoMDdZN085TVBQTFZPYlZrdzY0bElSeWUyWWk0S2NsdUh6SG5SVTF3MlhEX1NDOXByQ3B1ZlJlb0tWcDZNOE9DWVBHSFY5MGxSVDVjbmwxUGVVNE9MOFFpcEJzYmVhc3lqNVZJQTNRbjRaUWpBWkQ3a0JLUEtSUmU3Um51X3d1ZTNkZVE?oc=5) · The Business Journals
- 2025-10-22 [Sharonview Federal Credit Union Now Accepting Scholarship Applications - newswire.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxPR2FiWkI5UmdNVjdyZDdUdGx3WG41eFdqYkN1ZjRubVNMemt0YUhPQlBLWVJGX3RFaXJwdDg0eHJQM2tfTkp5bTZNNGVHcUp2S0xqTjAtbllydXRFZzRrYzQtRWdUMjdtaHdSamREOFNSOTRQMUVWRVhvQ3RJSWxURDBEaFZyU3JUSldudUdXSklob2hXWXRncTRjRGVuQkpNVGYwRlVtQ19IRkNQaUE?oc=5) · newswire.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22458 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/58.json (key "22458", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=22458
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide