SHAREFAX

Charter #61090 | OH

500M-750M (169 CUs) Community (281 CUs)
7 500M-750M in OH

SHAREFAX has 2 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 6.3% in tier
  • + Relationship Depth Leader: Top 16.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 3.9% in tier
  • - Membership Headwinds: Bottom 6.4% in tier
  • - Stagnation Risk: Bottom 8.0% in tier
  • - Credit Quality Pressure: Bottom 13.7% in tier
  • - Growth-at-Risk: Bottom 18.2% in tier
  • - ROA 0.28% below tier average
  • - Member decline: -5.4% YoY
  • - Member Growth Rate: Bottom 4.1% in tier
  • - Share Certificate Concentration (%): Bottom 4.1% in tier
  • - Net Interest Margin (NIM): Bottom 4.7% in tier
  • - Indirect Auto Concentration (%): Bottom 5.3% in tier
  • - Total Assets: Bottom 7.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 29,751
-5.4% YoY-8.0% QoQ
 -10.0K 39,752
-2.7% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 17.2% in tier
Assets $513.8M
+2.5% YoY-1.9% QoQ
 $-108.5M $622.4M
+0.3% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 Bottom 7.1% in tier
Loans $365.9M
+4.3% YoY+1.3% QoQ
 $-70.0M $435.9M
-0.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Bottom 20.1% in tier
Deposits $459.2M
+1.6% YoY-2.1% QoQ
 $-78.8M $538.0M
+1.3% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 Bottom 11.8% in tier
ROA 0.4%
+319.7% YoY+11.2% QoQ
 -0.3% 0.7%
+33.9% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 34th in tier
NIM 2.4%
+29.6% YoY+4.6% QoQ
 -1.0% 3.4%
+8.6% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 Bottom 4.1% in tier
Efficiency Ratio 76.7%
-13.1% YoY-1.5% QoQ
 -1.4% 78.1%
-3.4% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 41st in tier
Delinquency Rate 0.6%
+57.9% YoY+5.1% QoQ
 -0.2 0.8%
-4.9% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 45th in tier
Loan To Share 79.7%
+2.7% YoY+3.5% QoQ
 -1.3% 81.0%
-1.8% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 40th in tier
AMR $27,736
+8.7% YoY+8.0% QoQ
 +$1K $26,482
+2.6% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 66th in tier
CD Concentration 41.7%
+0.7% YoY-1.6% QoQ
 +17.2% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 Top 5.5% in tier
Indirect Auto % 46.7%
+2.0% YoY+0.9% QoQ
 +32.7% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 Top 4.6% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#175 of 1006 • Top 6.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 8.65%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#465 of 1006 • Top 16.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 8.65%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.0K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk
#64 of 525 • Bottom 3.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.49%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 46.70%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -5.43%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Membership Headwinds

decline
#107 of 550 • Bottom 6.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -5.43%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#132 of 550 • Bottom 8.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.38%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -5.43%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $27.7K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 41.65%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk
#339 of 736 • Bottom 13.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.22% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#274 of 446 • Bottom 18.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 4.29%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.22% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

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)

Comparing against 169 peers in tier

Top Strengths (1 metrics)

21
AMR Growth Rate
growth
Value: 8.65%
Peer Avg: 3.12%
#21 of 169 Top 11.8% in 500M-750M tier

Top Weaknesses (9 metrics)

163
Member Growth Rate
growth
Value: -5.43%
Peer Avg: 1.75%
#163 of 169 Bottom 4.1% in 500M-750M tier
163
Share Certificate Concentration (%)
balance_sheet
Value: 41.65%
Peer Avg: 26.87%
#163 of 169 Bottom 4.1% in 500M-750M tier
162
Net Interest Margin (NIM)
profitability
Value: 2.44%
Peer Avg: 3.43%
#162 of 169 Bottom 4.7% in 500M-750M tier
161
Indirect Auto Concentration (%)
balance_sheet
Value: 46.70%
Peer Avg: 16.19%
#161 of 169 Bottom 5.3% in 500M-750M tier
157
Total Assets
balance_sheet
Value: $513.85M
Peer Avg: $622.38M
#157 of 169 Bottom 7.7% in 500M-750M tier
149
Total Deposits
balance_sheet
Value: $459.24M
Peer Avg: $538.02M
#149 of 169 Bottom 12.4% in 500M-750M tier
140
Total Members
engagement
Value: 29,751
Peer Avg: 39,752
#140 of 169 Bottom 17.8% in 500M-750M tier
135
Total Loans
balance_sheet
Value: $365.93M
Peer Avg: $435.95M
#135 of 169 Bottom 20.7% in 500M-750M tier
129
Deposit Growth Rate
growth
Value: 1.57%
Peer Avg: 5.25%
#129 of 169 Bottom 24.3% in 500M-750M tier