PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sharonview

Fort Mill, SC · Charter 22458

NCUA · 18 branches

Q2 2026

$1.3BAssets
$944.9MLoans
$1.2BShares
$101.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.23%, up 52 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 1.18% of loans (-75 bps YoY).
  • Capital: net worth / assets of 7.63%, down 112 bps from a year ago.
  • Funding: loans stand at 80.28% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.23%+52 bps YoY

Net Interest Margin (quarter, annualized)

2.69%+20 bps YoY

Efficiency Ratio (quarter, annualized)

96.70%-657 bps YoY

Net Worth / Assets

7.63%-112 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.76%-0.60%-1.13%-0.23%-0.23%+52 bps
Return on Equity-8.65%-6.97%-15.04%-3.04%-3.06%+560 bps
Net Interest Margin2.48%2.50%2.50%2.63%2.69%+20 bps
Efficiency Ratio103.26%101.53%112.97%96.71%96.70%-657 bps
Growth
Asset Growth (YoY)-12.97%-9.13%-2.65%-2.81%-1.49%+1,148 bps
Loan Growth (YoY)-11.30%-5.86%0.28%-0.23%-0.55%+1,076 bps
Share Growth (YoY)-7.33%-5.46%-5.61%-2.54%0.27%+760 bps
Asset Quality
Delinquent Loans / Loans1.93%1.40%1.39%1.13%1.18%-75 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.75%8.60%7.49%7.56%7.63%-112 bps
Net Worth / Assets8.75%8.60%7.49%7.56%7.63%-112 bps
Liquidity & Funding
Loans / Shares80.93%84.38%88.07%83.86%80.28%-66 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps