State credit union · Bloomington, Minnesota · NCUA charter #63098
SHAREPOINT
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $362.9M
- Total assets
- 21,310
- Members
- 11.4%
- Net-worth ratio
SHAREPOINT scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $362.9M; members 21,310; net-worth ratio 11.42%; health rank #3,278 of 4,374; healthier than 24th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,278 of 4,374 health · 2025Q4SHAREPOINT · health 75/100 · $362.9M · 2025Q4
- ASSETS 75/100
- MEM 11.4%
- RANK 0.86%
- PHOTO 0.08%
- BOOK $362.9M
- CHARTER 21,310
- NCUSIF #3,278/4,374
- CAMELS Mutual Security
- HEALTH 63098
Call Report peers
SHAREPOINT in the assets neighbourhood
SHAREPOINT's $362.9M assets sit next to Mutual Security ($362.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SHAREPOINT vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SHAREPOINT - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #63098 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
SHAREPOINT vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 73.62% here, 72.20% peer average (+1.42 pp).
- Net Worth Ratio trails the peer set - 11.42% here, 12.11% peer average (-0.69 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where SHAREPOINT sits in Minnesota
- Minnesota health ordinal: #73 of 82.
- By total assets, SHAREPOINT is #17 of 82 in Minnesota.
- Minnesota membership ordinal: #19 of 82.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How SHAREPOINT's 5300 filing moved
SHAREPOINT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $362.9M (2025Q4) to $368.2M (2026Q1).
- Net-worth ratio shifted +0.00 pp (11.42% → 11.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.42%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.4 pts
- Return on Assets 8.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.5 pts
Call Report ratios for SHAREPOINT
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.42% | -0.69 pp |
| Delinquency Rate | 0.86% | -0.03 pp |
| Return on Assets | 0.08% | -0.54 pp |
| Member Growth | -18.58% | - |
| Loan-to-Share Ratio | 73.62% | +1.42 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - SHAREPOINT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $368.2M | - |
| 2025Q4 | $362.9M | 21,310 |
| 2024Q4 | $379.6M | 26,172 |
| 2023Q4 | $298.6M | 21,276 |
Credit Union Details
- Charter Number
- 63098
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- Bloomington
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, SHAREPOINT runs 7 offices in 6 different cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Bloomington, MN |
| Andover | Andover, MN |
| France Ave | Bloomington, MN |
| Burnsville | Burnsville, MN |
| Medina Branch | Medina, MN |
| Daikin Branch | Plymouth, MN |
| St. Louis Park | SAINT LOUIS PARK, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
SHAREPOINT nationwide neighbourhoods
Two NCUA Call Report peer sets for SHAREPOINT, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($362.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- SHAREPOINT ranks #3,278 of 4,374 nationally on financial health and #73 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRUSTAR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRUSTAR
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SHAREPOINT financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, SHAREPOINT carries a financial health score of 75/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,278 of 4,374; by total assets it ranks #919 of 4,374 nationally (same basis as /rankings/largest); and #17 of 82 within Minnesota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.42% net worth ratio and a 0.86% delinquency rate.
How does SHAREPOINT compare to other credit unions?
PlainCU's health composite puts SHAREPOINT at 75/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join SHAREPOINT?
Membership eligibility for SHAREPOINT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SHAREPOINT directly for current membership requirements and application steps.
Is my money safe at SHAREPOINT?
Federal credit unions like SHAREPOINT are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SHAREPOINT's net worth ratio of 11.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SHAREPOINT offer compared to banks?
Credit unions like SHAREPOINT are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SHAREPOINT directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.