BlastPoint's Credit Union Scorecard
SHAREFAX
Charter #61090 · OH
SHAREFAX has 1 strength but faces 12 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 36.2% 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
- - Credit Risk Growth: 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
|
17% |
| 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
|
20% |
| 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 |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| 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
|
34% |
| 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
|
41% |
| 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
|
45% |
| 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
|
40% |
| 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
|
66% |
| 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%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
Top 4.6% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)