Federal credit union · Fort Mill, South Carolina · NCUA charter #22458
SHARONVIEW
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $1.37B
- Total assets
- 83,551
- Members
- 7.6%
- Net-worth ratio
SHARONVIEW scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.37B; members 83,551; net-worth ratio 7.56%; health rank #4,101 of 4,374; healthier than 6th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,101 of 4,374 health · 2025Q4SHARONVIEW · health 59/100 · $1.37B · 2025Q4
- BOOK 59/100
- CHARTER 7.6%
- NCUSIF 1.39%
- CAMELS -0.81%
- HEALTH $1.37B
- NW 83,551
- DELQ #4,101/4,374
- ROA St. Anne's
- ASSETS 22458
Call Report peers
SHARONVIEW in the assets neighbourhood
SHARONVIEW's $1.37B assets sit next to St. Anne's ($1.38B) 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.
SHARONVIEW 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
59 6th percentile higher than 6% 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
SHARONVIEW - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #22458 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
SHARONVIEW vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 88.07% vs peer 83.90% (+4.17 pp).
- Net Worth Ratio trails the peer set - 7.56% here, 11.18% peer average (-3.62 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
South Carolina standing for SHARONVIEW
- South Carolina health ordinal: #45 of 46.
- Assets rank #8 of 46 inside South Carolina ($1.37B reported).
- South Carolina membership ordinal: #8 of 46.
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How SHARONVIEW's 5300 filing moved
SHARONVIEW: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.7% from $1.37B (2025Q4) to $1.35B (2026Q1).
- Net-worth ratio shifted +0.07 pp (7.49% → 7.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.56% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 59/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 59.
- Net Worth Ratio 23.9 pts
- Delinquency Rate 17.1 pts
- Return on Assets 0.0 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for SHARONVIEW
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.56% | -3.62 pp |
| Delinquency Rate | 1.39% | +0.52 pp |
| Return on Assets | -0.81% | -1.31 pp |
| Member Growth | -3.33% | - |
| Loan-to-Share Ratio | 88.07% | +4.17 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.35B | - |
| 2025Q4 | $1.37B | 83,551 |
| 2024Q4 | $1.41B | 86,428 |
| 2023Q4 | $1.62B | 94,270 |
Credit Union Details
- Charter Number
- 22458
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- South Carolina
- City
- Fort Mill
- Data Quarter
- 2025Q4
Branch Locations (16)
Per its most recent NCUA branch filing, SHARONVIEW runs 16 offices in 13 different cities across 2 states.
| Office | City |
|---|---|
| Corporate (Main Office) | Indian Land, SC |
| Carmel | Charlotte, NC |
| Park Road | Charlotte, NC |
| Steele Creek | Charlotte, NC |
| University | Charlotte, NC |
| Fayetteville | Fayetteville, NC |
| Florence | Florence, SC |
| Gaston County | Gastonia, NC |
| Greenville West End | Greenville, SC |
| Wade Hampton | Greer, SC |
| Salisbury | Salisbury, NC |
| Shelby | Shelby, NC |
| Simpsonville | Simpsonville, SC |
| Spartanburg | Spartanburg, SC |
| Bladen County | Tar Heel, NC |
| Wilmington | Wilmington, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
A look at other South Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near SHARONVIEW
Cross-state asset and health neighbours for SHARONVIEW - kept outside South Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.37B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (59/100 here).
Using this data
- SHARONVIEW ranks #4,101 of 4,374 nationally on financial health and #45 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- S. C. State is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with S. C. State
- Rates and health both vary by institution, not just by state -- see how South Carolina credit unions compare overall before assuming this one is typical. South Carolina 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 SHARONVIEW financially healthy?
SHARONVIEW has a financial health score of 59/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,101 of 4,374; by total assets it ranks #363 of 4,374 nationally (same basis as /rankings/largest); and #8 of 46 within South Carolina. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.56% and delinquency rate of 1.39%.
How does SHARONVIEW compare to other credit unions?
PlainCU's health composite puts SHARONVIEW at 59/100, compared to a peer group average for Over $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 SHARONVIEW?
SHARONVIEW operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact SHARONVIEW directly for the exact boundaries and application steps.
Is my money safe at SHARONVIEW?
Federal credit unions like SHARONVIEW 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. SHARONVIEW's net worth ratio of 7.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SHARONVIEW offer compared to banks?
Credit unions like SHARONVIEW 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 SHARONVIEW 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.