Credit Union Safety Analysis
Is Sharonview Federal Credit Union Safe? Indian Land, South Carolina
Based on its Q2 2026 NCUA 5300 call report, Sharonview Federal Credit Union has a net worth ratio of 7.63%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.18%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Sharonview Federal Credit Union's net worth ratio is 7.63%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.63%
- Delinquency ratio (60+ days) (Q2 2026): 1.18%
- Return on assets (Q2 2026): -0.23%
- Loan-to-share ratio (Q2 2026): 80.28%
Sharonview Federal Credit Union (NCUA charter 22458, established 1976) reported $1.33B in assets and 81,582 members for Q2 2026 from Indian Land, South Carolina. It ranks 8 of 45 credit unions in South Carolina by total assets. Total assets fell 1.5% from $1.35B on June 30, 2025. It has 3,341 fewer members than on June 30, 2025 (-3.9%). Its net worth ratio was down 1.09 percentage points from 8.72% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $611.9M of $944.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.18% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 7.56% for Q1 2026; 8.72% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.13% for Q1 2026; 1.93% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: -0.23% for Q1 2026; -0.44% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 83.86% for Q1 2026; 80.93% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $611.9M
- Used vehicle loans: $148.2M
- Other unsecured loans and lines of credit: $75.3M
- Other secured non-real estate loans and lines of credit: $70.5M
- New vehicle loans: $33.2M
- Commercial loans: $2.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.33B | 7.63% | 1.18% | -0.23% | 80.28% |
| March 31, 2026 | $1.35B | 7.56% | 1.13% | -0.23% | 83.86% |
| December 31, 2025 | $1.37B | 7.49% | 1.39% | -2.73% | 88.07% |
| September 30, 2025 | $1.36B | 8.57% | 1.40% | -0.30% | 84.38% |
| June 30, 2025 | $1.35B | 8.72% | 1.93% | -0.44% | 80.93% |
| March 31, 2025 | $1.39B | 8.57% | 1.73% | -1.04% | 81.92% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Sharonview Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 22458) · FFIEC NIC profile (RSSD 942584)
Frequently asked questions
Is Sharonview Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Sharonview Federal Credit Union's net worth ratio is 7.63%, above the 7% NCUA threshold for well capitalized.
Is Sharonview Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Sharonview Federal Credit Union is a federally insured credit union (NCUA charter 22458): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Sharonview Federal Credit Union's key safety ratios?
For Q2 2026, Sharonview Federal Credit Union reports net worth 7.63%, delinquency 1.18%, ROA -0.23%, loan-to-share 80.28%.
What happens to my money if Sharonview Federal Credit Union fails?
For Q2 2026, Sharonview Federal Credit Union held $1.18B in shares and deposits for 81,582 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.