# SHAREPOINT
Bloomington, MN · NCUA charter 63098 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sharepoint-63098

Who the members are: state charter, organized 1933. 20,680 members of 1,000,000 potential (2.1% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 484.

**Verdict on the desk:** this could be *participation buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $368.2M |
| Members | 20,680 (-20.4% YoY) |
| Full-time staff | 67 |
| Net worth | $42.1M |
| Net worth ratio | 11.4% (p53 of band) |
| ROA (annualized) | 0.71% (p52 of band) |
| Total delinquency | 0.74% (p62 of band) |
| Net charge-offs (annualized) | 0.20% (p29 of band) |
| Loans / shares | 72% (p46 of band) |
| Cash / assets | 11.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.47% (p43 of band) |
| Operating expense / assets | 3.21% (p30 of band) |
| Vehicles % of loans | 23% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 34% |
| Third-party paper % of net worth | 106% (p59 of band) |
| Vehicle delinquency | 0.46% (p42 of band) |
| Vehicle NCO | 0.47% (p41 of band) |
| Repossessed % of vehicle book | 0.04% (p60 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 35% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 26% |
| Average share balance | $7,631 |
| Participations bought / yr | $3.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $22.0M |
| Loans outstanding per 100 members | 484% |
| Loans granted per 100 members, annualized | 72% |
| Average loan balance | $2,346 |
| Loans granted, annualized | $21.7M |

## Participation posture (from the same filings)

Bought $3.7M and sold $0 in the latest annualized quarter; $22.0M outstanding purchased (52.3% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares -3.6% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | net worth falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | net worth falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | net worth falling, losing money, delinquency rising |  |
| 2020-06 | 4 | margin squeeze |  |
| 2020-09 | 1 |  | net worth falling, losing money, delinquency rising |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 2 | net worth falling, losing money |  |
| 2024-06 | 2 | delinquency rising | net worth falling |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 | delinquency rising | losing money |
| 2025-03 | 2 | assets shrinking |  |
| 2025-06 | 3 | members leaving |  |
| 2025-09 | 3 | 3rd-party paper>100% NW | delinquency rising |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | assets shrinking |

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

- 2023-08-07 [Bloomington-based Star Choice and SharePoint credit unions will merge - startribune.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQWnoyV3pDbUdzTjVqdmVlV2U4RnZZYU0xSkZQQ3ZXUGtOM1JzWlktaUJRbFdPZkxkbUJnd3ZvZTVaa2tqQXRwTEhmZ05hXzZUdkdUUExGOFVWRUJrbmdtUHBQSFNvV3lnc3ZfbUtTNVY3cTF4aV93Y3dTRjdCdVVDREZVdEduc0RHYmhmZW5vYWdzU3dSNjU5ajR0RGN5Tk9RYzQxV1FYWW9sMGs?oc=5) · startribune.com
- 2025-04-23 [Largest credit unions in Minnesota, Colorado announce plans to merge - MPR News](https://news.google.com/rss/articles/CBMipgFBVV95cUxNelV0bVJ6MEVZb3hSM0xZVUdHYTdvSEM2MEE0TC05MXpxYWJLSXZSMXlRV3N5dnVjZWktUWZtWTNvRDdwVjVWWVp2MjJveF9WQW5OVTJ2a08zcnRBVUFtd0sxUkZlTWlTbmJ1c0kzeTlraXZhWTNmRFViSU5ubENVaU9jaVhscUh4MElBdk1CQXZuOWRrRjZpOExGUDFZMk42NnJLUV9R?oc=5) · MPR News
- 2025-06-05 [Affinity Plus to merge with Albert Lea credit union, expanding services and membership - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxONTl5MUpRcExYdDE1MzZGbWh2d3h2VjNYX3ZKNWlCSWFOWENvZTdyaGI5T3ZQTnVWODZLTzJsRjlpUVdIZ3lRajZyckx5YnhxMG5YREVxX1RFTXhxeHlrOFdCZnFDeXBrNTNVekN0MWU3d0x3cTBhN29CSkdUeVRES1B0Z1JuYlB2ZDkzV3o2aXJqSGUycHhRdnBCNFAxVWo2TTNHbDZ6enE?oc=5) · The Business Journals
- 2024-04-15 [Gwendolyn M. Braff Obituary Apr 15, 2024 - Ballard-Sunder Funeral & Cremation](https://news.google.com/rss/articles/CBMicEFVX3lxTFBDWjlLS09tZFVWUFhFVkZUQXA0ZDJ0Q0NDNlpsSElnV0R6VGNmMGxPZzlvSjNYOHhXdHMxN250aG4ySjVHU180WjBsOTFwWUVnVTgxMnNodFE0OEZqdkJvbU81VVBjOHNpMnlwRGZaM20?oc=5) · Ballard-Sunder Funeral & Cremation
- 2024-03-31 [Lisa Marie Sanner Obituary Mar 31, 2024 - Bradshaw Funeral](https://news.google.com/rss/articles/CBMiZEFVX3lxTE80cWhnQ1N0THNFd0JlV1BpbklQUEkwOUdOUHd2QV95cURYcDY2d2VrZ1pIc2pfWmk2Z0t2a1lXclAxS2F3cUtSZ1YzbmVFLUNtWHJiTXR5ZkRXaHdYcDM4OTN1LWg?oc=5) · Bradshaw Funeral
- 2023-02-03 [Nelson Assumes Role of Barr COO - Associated Construction Publications](https://news.google.com/rss/articles/CBMie0FVX3lxTE5xd2h1bXRoRWFrTC1PVHlLR3FnZm1nSndBUWN0MFBKUkcxVXJoWFk4aXZNTjBrVkdQeXNuT2xfcVJDT3dYYjdhSnplSlN0Q1VZQ1RPZEJoZTA1RG95TTdQRWwzODFEVjdTQXhJSlJpRDktUjVoWVZIRnVwTQ?oc=5) · Associated Construction Publications
- 2023-11-16 [Spire, Hiway credit unions will become Blaze Credit Union after merger - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPeFQtUDFqa0xaOEdadkZRT0FjN2d2RXFHTnVMMVgzQXFDQkMxaDhrdlVPdUxCRlIxcXFXUEJrYk5fdXBHdGdVdmI5Rnlob2piejBWeGg4Rl95V0hrY2RvdFl6eWx0QTJUaDFxLV93U1NWNlRFT1QtRmNwVzhmblc3dFp2VDF4OExBeXA5WjNySmVtOVotX1Q1T05JQkRnajQ4Z1BBNnVpWDV2Rkk?oc=5) · The Business Journals
- 2012-11-27 [West St. Paul: Sonic burger franchise closes - Pioneer Press](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOMVJ2ZnRBSFhhOVVtZkZQZnNEYUhSMy1jdk5zTHliYTZ1ZF9QUnBKR2phOFVsbkYxZDBNOW5MNUQ1MFREZEdydldKRHZDdi00OFFXdFdYdVJmT09XQ21RVXJkRnk0TzdrR0tjeGVxWU9XM18tTHI3WnYtZGFpd2RZYmpVMnNPYjFS?oc=5) · Pioneer Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63098 (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 "63098", 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=63098
- 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