Sharepoint Credit Union Bloomington, Minnesota
Sharepoint Credit Union is a state-chartered credit union headquartered in Bloomington, MN, established in 1933 (NCUA charter 63098), and it is regulated and insured by the NCUA. At Q2 2026 it reported 20,332 members and total assets of $360.1M (down 1.2% from Q2 2025), the 17th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 11.80% at Q2 2026, in the well capitalized band.
Also written as Sharepoint CU
BankRegReports is independent of Sharepoint Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 63098
- Headquarters
- Bloomington, MN
- Established
- 1933
- Total assets, Q2 2026
- $360.1M
- Assets vs Q2 2025
- -1.2%
- Members, Q2 2026
- 20,332
- Net worth ratio, Q2 2026
- 11.80%
- Latest call report
- Q2 2026, NCUA 5300 · Sharepoint Credit Union call report
- Asset rank in state
- 17th of 79 in Minnesota
- Routing number
- 291074984
- Branches
- 7
It has 5,108 fewer members than on June 30, 2025 (-20.1%). Its net worth ratio was up 0.78 percentage points from 11.02% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $137.6M of $232.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.02% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.80% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Minnesota
Credit unions merged into Sharepoint Credit Union
Star Choice Credit Union (2024) · West Financial Credit Union (2018)
Frequently asked about Sharepoint Credit Union
How big is Sharepoint Credit Union?
At Q2 2026 it reported total assets of $360.1M and 20,332 members.
Where is Sharepoint Credit Union headquartered?
It is headquartered in Bloomington, MN, United States.
When was Sharepoint Credit Union founded?
It was established in 1933, per NCUA records.
Is Sharepoint Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63098): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Sharepoint Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Sharepoint Credit Union well capitalized?
Its net worth ratio was 11.80% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Sharepoint Credit Union's delinquency ratio?
Its delinquency ratio was 1.02% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Sharepoint Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 73.22% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bloomington, MN 55437
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1933
- NCUA Charter #
- 63098
- RSSD ID
- 410298
- Members
- 20,332
- Potential members
- 1,000,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.80% | 11.43% | 54th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.47% | 0.81% | 27th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 3.96% | 7.02% | 26th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.67% | 3.70% | 48th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 85.05% | 76.55% | 21st bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.04% | 1.24% | 65th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.02% | 0.68% | 31st below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.71% | 4.92% | 37th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 73.22% | 75.66% | 46th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$360.1M total assets against $364.4M; $317.6M total shares and deposits against $325.3M; $232.6M total loans against $238.4M.
$42.5M net worth against $40.2M.
11.80% net worth ratio against 11.02%.
73.22% loan-to-share ratio against 73.28%.
1.02% delinquency ratio against 1.12%.
0.47% return on assets against 0.40%; 3.96% return on equity against 3.64%.
3.67% net interest margin against 3.41%.
20,332 members against 25,440.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.80% | 0.47% | 1.02% | 73.22% |
| March 31, 2026 | 11.42% | 0.71% | 0.74% | 72.15% |
| December 31, 2025 | 11.42% | 0.78% | 0.86% | 73.62% |
| September 30, 2025 | 11.12% | 0.61% | 0.78% | 73.98% |
| June 30, 2025 | 11.02% | 0.40% | 1.12% | 73.28% |
| March 31, 2025 | 10.58% | 0.30% | 0.63% | 70.26% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.