BlastPoint's Credit Union Scorecard
SHAREFAX
Charter #61090 · OH
SHAREFAX has 9 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 52.2% in tier
- + Wallet Share Momentum: Top 56.0% in tier
- + Strong member growth: 32.7% YoY
- + Asset Growth Rate: Top 0.6% in tier
- + Member Growth Rate: Top 1.2% in tier
- + Deposit Growth Rate: Top 1.2% in tier
- + Loan Growth Rate: Top 1.8% in tier
- + Total Deposits: Top 4.8% in tier
- + Total Assets: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 14.7% in tier
- - Credit Risk Growth: Bottom 18.2% in tier
- - Credit Quality Pressure: Bottom 60.6% in tier
- - ROA 0.21% below tier average
- - Net Interest Margin (NIM): Bottom 3.0% in tier
- - Share Certificate Concentration (%): Bottom 5.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,016
+32.7% YoY+41.2% QoQ
|
+3.4K |
38,575
-4.8% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$722.0M
+42.3% YoY+40.5% QoQ
|
+$100.3M |
$621.7M
+0.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 10.3% in tier |
| Loans |
$508.3M
+42.6% YoY+38.9% QoQ
|
+$78.5M |
$429.8M
-1.8% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$646.2M
+42.2% YoY+40.7% QoQ
|
+$107.5M |
$538.7M
+0.6% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 5.5% in tier |
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| ROA |
0.4%
+97.0% YoY+18.4% QoQ
|
-0.2% |
0.7%
+42.9% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
2.3%
+20.2% YoY-4.0% QoQ
|
-1.1% |
3.4%
+8.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio |
75.1%
-10.4% YoY-2.1% QoQ
|
-2.4% |
77.5%
-4.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.6%
+33.2% YoY+1.3% QoQ
|
-0.2 |
0.8%
-1.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
78.7%
+0.3% YoY-1.3% QoQ
|
-1.2% |
79.8%
-2.3% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$27,477
+7.3% YoY-0.9% QoQ
|
+$628 |
$26,849
+2.7% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
39.2%
-5.1% YoY-6.0% QoQ
|
+14.7% | 24.4% | 19.4% | 19.8% | Top 8.6% in tier |
| Indirect Auto % |
34.9%
-25.1% YoY-25.3% QoQ
|
+21.1% | 13.8% | 11.2% | 7.8% | Top 12.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)