BlastPoint's Credit Union Scorecard
SHAREFAX
Charter #61090 · OH
SHAREFAX has 8 strengths but faces 8 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
- + Wallet Share Momentum: Top 25.3% in tier
- + Strong member growth: 31.1% YoY
- + Member Growth Rate: Top 0.6% in tier
- + Asset Growth Rate: Top 0.6% in tier
- + Deposit Growth Rate: Top 0.6% in tier
- + Loan Growth Rate: Top 1.2% in tier
- + Total Deposits: Top 6.0% in tier
- + Total Assets: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.8% in tier
- - Indirect Auto Dependency: Bottom 0.8% in tier
- - Credit Quality Pressure: Bottom 22.6% in tier
- - Efficiency Drag: Bottom 42.8% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 1.99% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
- - Share Certificate Concentration (%): Bottom 4.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,151
+31.1% YoY+0.3% QoQ
|
+4.1K |
38,079
-4.8% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
64% |
| Assets |
$726.4M
+39.0% YoY+0.6% QoQ
|
+$106.7M |
$619.7M
-0.2% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Top 10.2% in tier |
| Loans |
$503.3M
+40.9% YoY-1.0% QoQ
|
+$83.9M |
$419.3M
-1.4% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
81% |
| Deposits |
$650.1M
+38.4% YoY+0.6% QoQ
|
+$110.7M |
$539.5M
-0.1% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
Top 6.6% in tier |
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| ROA |
0.4%
+483.7% YoY-6.1% QoQ
|
-0.3% |
0.7%
+36.0% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
32% |
| NIM |
2.8%
+22.0% YoY+17.7% QoQ
|
-0.7% |
3.5%
+4.5% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 10.2% in tier |
| Efficiency Ratio |
80.4%
-2.8% YoY+7.0% QoQ
|
+2.0% |
78.4%
-3.7% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
54% |
| Delinquency Rate |
0.9%
+36.6% YoY+44.2% QoQ
|
+0.2 |
0.7%
-0.9% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
69% |
| Loan To Share |
77.4%
+1.8% YoY-1.6% QoQ
|
-0.3% |
77.7%
-1.2% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
41% |
| AMR |
$27,364
+6.4% YoY-0.4% QoQ
|
+$436 |
$26,927
+3.1% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
63% |
| CD Concentration |
38.4%
-8.6% YoY-1.9% QoQ
|
+14.1% | 24.3% | 19.4% | 19.8% | Top 8.7% in tier |
| Indirect Auto % |
35.2%
-24.8% YoY+0.9% QoQ
|
+21.4% | 13.8% | 11.4% | 7.7% | Bottom 11.7% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)