# SHAREFAX
CINCINNATI, OH · NCUA charter 61090 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sharefax-61090

Who the members are: state charter, organized 1960. 42,151 members of 2,603,647 potential (1.6% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $726.4M |
| Members | 42,151 (31.1% YoY) |
| Full-time staff | 121 |
| Net worth | $69.4M |
| Net worth ratio | 9.6% (p33 of band) |
| ROA (annualized) | 0.42% (p30 of band) |
| Total delinquency | 0.87% (p71 of band) |
| Net charge-offs (annualized) | 0.32% (p40 of band) |
| Loans / shares | 77% (p38 of band) |
| Cash / assets | 11.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.76% (p12 of band) |
| Operating expense / assets | 3.12% (p26 of band) |
| Vehicles % of loans | 44% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 80% |
| Third-party paper % of net worth | 309% (p91 of band) |
| Vehicle delinquency | 0.69% (p60 of band) |
| Vehicle NCO | 0.63% (p36 of band) |
| Repossessed % of vehicle book | 0.45% (p95 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 32% |
| Core shares % of member funds | 33% |
| Certificates % of member funds | 38% |
| Average share balance | $8,008 |
| Participations bought / yr | $0 |
| Participations sold / yr | $24.3M |
| Participations outstanding | $18.2M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $22,405 |
| Loans granted, annualized | $154.9M |

## Participation posture (from the same filings)

Bought $0 and sold $24.3M in the latest annualized quarter; $18.2M outstanding purchased (26.3% of net worth), $2.7M sold and retained. Sold in 5 and bought in 4 of the last 8 quarters. Shares 38.4% year over year.

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 1 |  | members leaving |
| 2017-09 | 2 | members leaving |  |
| 2017-12 | 1 |  | members leaving |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | auto monoline |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | members leaving |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 3 |  | auto monoline |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 1 |  | members leaving |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | net worth falling |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | members leaving |  |
| 2022-06 | 1 |  | members leaving |
| 2022-09 | 3 | net worth falling, delinquency rising |  |
| 2022-12 | 1 |  | net worth falling, delinquency rising |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 3 | assets shrinking, members leaving | delinquency rising |
| 2023-09 | 2 |  | members leaving |
| 2023-12 | 2 | delinquency rising | assets shrinking |
| 2024-03 | 3 | net worth falling, members leaving | delinquency rising |
| 2024-06 | 2 | delinquency rising | net worth falling, members leaving |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | members leaving |  |
| 2025-12 | 1 |  | delinquency rising, members leaving |
| 2026-03 | 2 | repo signal |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-04-24 [Sharefax Credit Union BizSpotlight - Cincinnati Business Courier - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxNX2ZMWjhuU2RPbFprcjQyc2tIZGxVdDRhVFlMd0IyMTYwUFZKRW5SamFicDNKSjZoYWotN2JZakc5a21kSGRTMnpmXzlTM09xaWNvM2xMSnZjSjRBVHA0VGg3NlY1ZVEtaGswUG5VMDYxaG4ydC1jbXZxeXJ1X1BzbGZLT211WkN1UVE0M3pvT3I?oc=5) · The Business Journals
- 2026-07-22 [Local 12 invites Tri-State families to attend Back 2 School Bash - WKRC](https://news.google.com/rss/articles/CBMipgFBVV95cUxQQUtVRzY0REpTQlNDalJEZWJES2tocXg2RmMyNEpUU21LY0U5QVotRjBPMElURDQwNUVwYU50bnpWN2hTYk1EZ0VJQUN1anllNElBeGYtVUhBSEpGcHpzTWM2QTVvd1VhS2NISlpMeEJRTTExc3FYRXBSZDF3d3FXMW1kbnBHaVB2eFh3QzFsczJCcUh0Wjl1VHgtdlVsNFV1elE0RU5B?oc=5) · WKRC
- 2020-01-23 [New Sharefax Credit Union headquarters in Union Township to be visible from I-275 - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMixwFBVV95cUxOWk5QbGczS0hZMVNuemFneGZ2YUE4Si1MZEZBWldDWTNrVHdybENKZ1RLY3V4OFlJT1hadVRfejBfQ1d3Q3NleUd2VWhhUER5QWhoZjk2czljVnZCdy1Ka01wLWR6MWNmYmM1YjdGcG53bGdfN3JTZ3J4RXYyV3dvdnRQRlZBUm1kT3BrNkZvblV2aEV0TmJiQ2pGRm1ESnZxc0FTaF9zSDJwUUhUVnBtd21rcHh6bDNPbnhOQTFKUm5DM0lCbnZJ?oc=5) · Cincinnati Enquirer
- 2025-08-13 [NCUA Approves 45 Credit Union Mergers During 2025’s Second Quarter - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxQQkU1Wk5iWXZYbVlIaVFEbVc2VkFZQkEwaE0yWmZZODNNVjg4WFdyeDk0VnJPbkEzLXljSDNydkJDM2d4R1h2aU5oeUJmQmE4TENlcWY5TEtZWnlZWjdYcmdMQ01RNlBkV01pdl8wb2FDaW5NYVBXWDY4OTVVYmp1SVFfQ0JHMWtFVmRoUEhjeHl5c3NTTDQtTVhReGo2Y0NuZkFn?oc=5) · CUTimes
- 2021-06-14 [Get a look inside one of Cincinnati’s largest credit union’s new HQ: PHOTOS - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxPaDlHbzlvWWdLRFp1ckc1OEZrVGp3bk05cnA3UXcyOEdnZm5HY2dlMmVPMnB3MHcwTDIyMDRDVHJyZVZHRlkwbjcwT25HQTd1UkRMcGhGRk1fVmljcUpUVE1BSXp2ZVJqdnVYdV92WTVUaExjTmhTSm10YVpkUHZTY1o0N24wOGJqOGFueg?oc=5) · The Business Journals
- 2023-07-17 [Junior Hill Obituary Jul 17, 2023 - John H. Evans Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5UWkRsS3RlYWRtVlRRa2ZLS09SRVQ0cExJTDZURW5SYTBPX2ZtZkEyUnYzR09CMm51VjNWeDZ2QTBqdmZoZHc0LTB4Qk8xWTNDN1RBOUJETkZ6TVFHTXlhTU9YZHFJdw?oc=5) · John H. Evans Funeral Home
- 2020-02-12 [Sharefax breaks ground in Union Township - The Clermont Sun](https://news.google.com/rss/articles/CBMihgFBVV95cUxPTlo0andwM0F6SHRWY0pVX2NIVTM5cGRmMExqXzZqWHJSWTVkVWgxeGRIU3lVZzc5N0tEQXRnLUxpRm5qNHdIRmx3Sm1VQzZoRldMSkw4Y3RhUkltZ3hmQkFTWGs0dEk3akc0U1RMX3g2TGhHcEJaMVVYTHpIc3pZMGhVODM1Zw?oc=5) · The Clermont Sun
- 2025-10-16 [Sophisticated 'jackpotting' scheme targeting ATMs hits Tri-State; 3 men indicted - WKRC](https://news.google.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?oc=5) · WKRC

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61090 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/34.json (key "61090", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61090
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide