Sharefax Credit Union
Cincinnati, OH·Charter 61090·cu:61090·CCULR opted in
- #15 of 192Total assets in Ohio
- 41.2Kmembers
- Top 1%Loan growth in the U.S.
- Top 1%Share growth in the U.S.
- Top 1%Member growth in the U.S.
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Sharefax Credit Union
9 of 24 FORFI signals stand out against 569 similar credit unions, based on NCUA data for the quarter.
Loans growing faster than peersStrength: Lending 2nd quarter+43.4%peers +4.1%+39.3 pp
Sharefax Credit Union's loans grew 43.4% over the past year to $518 million. The median among 563 similar credit unions was +4.1%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +43.4% | +4.1% | +39.3 pp |
| Loans | ||
| $518 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Sharefax Credit Union itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+37.7%peers +4.5%+33.2 pp
Sharefax Credit Union's total assets grew 37.7% over the past year to $721 million. The median among 563 similar credit unions was +4.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +37.7% | +4.5% | +33.2 pp |
| Total assets | ||
| $721 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Sharefax Credit Union itself is left out of every peer median and percentile. How signals work
Shares and deposits growing faster than peersStrength: Funding 2nd quarter+37.0%peers +4.0%+33.0 pp
Sharefax Credit Union's shares and deposits grew 37.0% over the past year to $643 million. The median among 563 similar credit unions was +4.0%.
| This institution | Peer median | Difference |
|---|---|---|
| Shares and deposits, 12-month growth | ||
| +37.0% | +4.0% | +33.0 pp |
| Shares and deposits | ||
| $643 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Sharefax Credit Union itself is left out of every peer median and percentile. How signals work
Membership growing faster than peersStrength: Membership 2nd quarter+27.3%peers +0.5%+26.8 pp
Sharefax Credit Union's membership grew 27.3% over the past year. The median among 563 similar credit unions was +0.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Membership, 12-month growth | ||
| +27.3% | +0.5% | +26.8 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Sharefax Credit Union itself is left out of every peer median and percentile. How signals work
Net interest margin widening faster than peersStrength: Earnings 2nd quarter2.96%peers 3.67%-71 bps
Sharefax Credit Union's net interest margin on average assets rose 51 bps over the past year to 2.96%. Among 561 similar credit unions, the median rose 13 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 2.96% | 3.67% | -71 bps |
| 12-month change | ||
| +51 bps | +13 bps | +38 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Sharefax Credit Union itself is left out of every peer median and percentile. How signals work
4 more observations
- Auto lending growing while the peer median shrinksLending
- Reliance on share certificates falling while the peer median risesFunding
- Share and deposit costs falling faster than peersFunding
- Delinquent loans rising faster than peersAsset quality
Key facts
- Sharefax Credit Union is a state-chartered credit union headquartered in Cincinnati, Ohio. It reported $721 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $643 million, up 37.0% from a year earlier, and loans totaled $518 million, up 43.4%.
- Its net interest margin on average assets was 2.96% and its annualized return on assets was 0.76% for the quarter.
- Its cost of all shares and deposits was 2.08%, compared with a median of 1.45% among 566 similar credit unions with $300 million to $1 billion in assets.
- It served 41,170 members, up 27.3% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Sharefax Credit Union's own data, FORFI would look at: Which borrowers are behind the loan growth, and what else those relationships need.
Analysis workspaces
Sources and identifiers
- Institution
- Sharefax Credit Union · Credit union
- NCUA charter
- 61090
- Reporting period
- Peer group
- 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Sharefax Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $1.38M | |
| $8.69M | |
| $3.36M | |
| $5.34M | |
| $2.86M | |
| $5.92M | |
| $906.53K | |
| $906.53K | |
| 0.76% | |
| 2.96% | |
| 72.15% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.