Credit Union Safety Analysis
Is Sharefax Credit Union, Inc. Safe? Cincinnati, Ohio
Based on its Q2 2026 NCUA 5300 call report, Sharefax Credit Union, Inc. has a net worth ratio of 9.82%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.11%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Sharefax Credit Union, Inc.'s net worth ratio is 9.82%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.82%
- Delinquency ratio (60+ days) (Q2 2026): 1.11%
- Return on assets (Q2 2026): 0.76%
- Loan-to-share ratio (Q2 2026): 80.59%
Sharefax Credit Union, Inc. (NCUA charter 61090, established 1960) reported $720.8M in assets and 41,170 members for Q2 2026 from Cincinnati, Ohio. It ranks 15 of 191 credit unions in Ohio by total assets. Total assets grew 37.7% from $523.6M on June 30, 2025. It has 8,828 more members than on June 30, 2025 (+27.3%). Its net worth ratio was unchanged from June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $227.5M of $518.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.11% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.56% for Q1 2026; 9.82% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.87% for Q1 2026; 0.57% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.42% for Q1 2026; 0.61% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 77.41% for Q1 2026; 77.00% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $227.5M
- New vehicle loans: $121.4M
- Used vehicle loans: $116.9M
- Commercial loans: $22.3M
- Other secured non-real estate loans and lines of credit: $13.0M
- Unsecured credit card loans: $9.6M
- Other unsecured loans and lines of credit: $7.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $720.8M | 9.82% | 1.11% | 0.76% | 80.59% |
| March 31, 2026 | $726.4M | 9.56% | 0.87% | 0.42% | 77.41% |
| December 31, 2025 | $722.0M | 9.51% | 0.61% | 0.71% | 78.67% |
| September 30, 2025 | $513.8M | 10.12% | 0.60% | 0.45% | 79.68% |
| June 30, 2025 | $523.6M | 9.82% | 0.57% | 0.61% | 77.00% |
| March 31, 2025 | $522.7M | 9.68% | 0.64% | 0.07% | 76.05% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Sharefax Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 61090) · FFIEC NIC profile (RSSD 368090)
Frequently asked questions
Is Sharefax Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, Sharefax Credit Union, Inc.'s net worth ratio is 9.82%, above the 7% NCUA threshold for well capitalized.
Is Sharefax Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. Sharefax Credit Union, Inc. is a federally insured credit union (NCUA charter 61090): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Sharefax Credit Union, Inc.'s key safety ratios?
For Q2 2026, Sharefax Credit Union, Inc. reports net worth 9.82%, delinquency 1.11%, ROA 0.76%, loan-to-share 80.59%.
What happens to my money if Sharefax Credit Union, Inc. fails?
For Q2 2026, Sharefax Credit Union, Inc. held $643.0M in shares and deposits for 41,170 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.