State credit union · CINCINNATI, Ohio · NCUA charter #61090
SHAREFAX
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $722.0M
- Total assets
- 42,016
- Members
- 9.6%
- Net-worth ratio
SHAREFAX scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $722.0M; members 42,016; net-worth ratio 9.56%; health rank #696 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#696 of 4,374 health · 2025Q4SHAREFAX · health 93/100 · $722.0M · 2025Q4
- ROA 93/100
- ASSETS 9.6%
- MEM 0.61%
- RANK 0.16%
- PHOTO $722.0M
- BOOK 42,016
- CHARTER #696/4,374
- NCUSIF Arizona Central
- CAMELS 61090
Call Report peers
SHAREFAX in the assets neighbourhood
SHAREFAX's $722.0M assets sit next to Arizona Central ($722.4M) 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.
SHAREFAX 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
93 Top 16% higher than 84% 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
SHAREFAX - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61090 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
SHAREFAX vs Over $500M peers
- Delinquency Rate leads the peer set - 0.61% here, 0.87% peer average (-0.27 pp).
- Loan-to-Share Ratio trails the peer set - 78.67% here, 83.90% peer average (-5.23 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where SHAREFAX sits in Ohio
- Ohio health ordinal: #26 of 196.
- By total assets, SHAREFAX is #15 of 196 in Ohio.
- Membership ranks #14 of 196 among Ohio CUs with a reported count (42,016 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SHAREFAX Call Report trajectory
SHAREFAX: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $722.0M (2025Q4) to $726.4M (2026Q1).
- Net-worth ratio shifted +0.05 pp (9.51% → 9.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 28.9 pts
- Delinquency Rate 23.9 pts
- Return on Assets 9.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.56% | -1.62 pp |
| Delinquency Rate | 0.61% | -0.27 pp |
| Return on Assets | 0.16% | -0.35 pp |
| Member Growth | 32.65% | - |
| Loan-to-Share Ratio | 78.67% | -5.23 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).
Call Report history - SHAREFAX
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $726.4M | - |
| 2025Q4 | $722.0M | 42,016 |
| 2024Q4 | $507.3M | 31,674 |
| 2023Q4 | $504.6M | 31,315 |
Credit Union Details
- Charter Number
- 61090
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Ohio
- City
- CINCINNATI
- Data Quarter
- 2025Q4
Branch Locations (10)
The NCUA branch filing lists 10 physical offices for SHAREFAX, spread across 7 cities in 2 states.
| Office | City |
|---|---|
| EASTGATE (Main Office) | CINCINNATI, OH |
| BATAVIA | BATAVIA, OH |
| EVENDALE | CINCINNATI, OH |
| BLUE ASH | CINCINNATI, OH |
| WESTERN HILLS | CINCINNATI, OH |
| LEBANON | LEBANON, OH |
| LIBERTY TOWNSHIP | LIBERTY TOWNSHIP, OH |
| MASON | MASON, OH |
| MILFORD | MILFORD, OH |
| IRON MOUTAIN DATA CENTER | Phoenix, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Other-state peers near SHAREFAX
SHAREFAX's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($722.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- SHAREFAX ranks #696 of 4,374 nationally on financial health and #26 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BMI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BMI
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 SHAREFAX financially healthy?
SHAREFAX has a financial health score of 93/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #696 of 4,374; by total assets it ranks #601 of 4,374 nationally (same basis as /rankings/largest); and #15 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.56% and delinquency rate of 0.61%.
How does SHAREFAX compare to other credit unions?
93/100 is SHAREFAX's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 SHAREFAX?
Membership eligibility for SHAREFAX depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SHAREFAX directly for current membership requirements and application steps.
Is my money safe at SHAREFAX?
Federal credit unions like SHAREFAX 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. SHAREFAX's net worth ratio of 9.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SHAREFAX offer compared to banks?
Credit unions like SHAREFAX 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 SHAREFAX 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.