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Overview / Commentary
(800) 733-1SCU (1728)
1147 Old State Route 74
Batavia, OH 45103

Sharefax Credit Union is headquartered in BATAVIA and is the 16st largest credit union in the state of Ohio. It is also the 664th largest credit union in the nation. It was established in 1960 and as of March of 2014, it had grown to 55 employees and 28,227 members. Sharefax Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live or work in Adams, Brown, Butler, Clermont, Clinton, Fayette, Greene, Hamilton, Highland, Montgomery, Preble or Warren County. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Sharefax Credit Union had $1.98 million in non-current loans and owned real-estate with $29.96 million in equity and loan loss allowances on hand to cover it. This gives Sharefax Credit Union a Texas Ratio of 6.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Sharefax Credit Union decreased slightly from 7.72% as of March 31, 2013 to 6.60% as of March 31, 2014, resulting in a positive change of 14.48%.This indicates that the balance sheet and financial strength for Sharefax Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Sharefax Credit Union has increased its total deposits by $5.59 million, resulting in 1.95% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Sharefax Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Sharefax Credit Union has $322.44 million in assets with $29.96 million in equity, resulting in a capitalization level of 9.29%, which is average.

Institution Statistics

NCUA #61090
Year Chartered1960
Primary Regulator
Assets and Liabilities
Assets$322.44 million
Loans$168.97 million
Deposits$292.67 million
Equity Capital$28.96 million
Loan Loss Allowance$995,000
Unbacked Noncurrent Loans$1.75 million
Real Estate Owned$231,000
Historic Data - March 2013
Assets$312.81 million
Equity Capital$24.27 million
Loan Loss Allowance$932,000
Unbacked Noncurrent Loans$1.75 million
Real Estate Owned$139,000
Profit Margin - Quarterly
Net Interest Margin0.85%
Return on Assets0.7%
Return on Equity7.78%
Interest Income$2.13 million

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Sharefax Credit Union Savings Account Rates

0.40%$100k-Maximizer Savings Account
0.30%$25k-IRA Share Savings Account
0.30%$25k-Health Savings Account
0.30%$25k-Coverdell Education Savings Account
0.25%$10k-Champion Savers
0.10%$50-Basic Shares
0.10%--Christmas Club

Sharefax Credit Union Money Market Rates

0.40%$50k-Money Market Checking

Sharefax Credit Union Checking Account Rates

0.25%$10k-Ultimate Advantage Checking
0.25%$10k-Business Benefits Checking

Sharefax Credit Union CD Rates

1.76%$500-80 Month Gold Share Certificate
1.71%$500-80 Month Silver Share Certificate
1.51%$500-80 Month Share Certificate
1.51%$500-5 Year Gold Share Certificate
1.46%$500-5 Year Silver Share Certificate
1.26%$500-5 Year Share Certificate
1.26%$500-4 Year Gold Share Certificate
1.21%$500-4 Year Silver Share Certificate
1.16%$500-3 Year Gold Share Certificate
1.15%$500-30 Month Gold HSA Certificate
1.11%$500-3 Year Silver Share Certificate
1.10%$500-30 Month Silver HSA Certificate
1.00%$500-4 Year Share Certificate
1.00%$500-2 Year Gold Share Certificate
1.00%$500-24 Month Gold HSA Certificate
0.95%$500-2 Year Silver Share Certificate
0.95%$500-24 Month Silver HSA Certificate
0.90%$500-3 Year Share Certificate
0.90%$500-30 Month HSA Certificate
0.75%$500-2 Year Share Certificate
0.75%$500-15 Month Gold Share Certificate
0.75%$500-18 Month Gold HSA Certificate
0.75%$500-24 Month HSA Certificate
0.70%$500-15 Month Silver Share Certificate
0.70%$500-18 Month Silver HSA Certificate
0.55%$500-12 Month Gold Share Certificate
0.55%$500-12 Month Gold HSA Certificate
0.50%$500-15 Month Share Certificate
0.50%$500-12 Month Silver Share Certificate
0.50%$500-12 Month Silver HSA Certificate
0.50%$500-18 Month HSA Certificate
0.45%$500-6 Month Gold Share Certificate
0.40%$500-6 Month Silver Share Certificate
0.40%$500-3 Month Gold Share Certificate
0.35%$500-3 Month Silver Share Certificate
0.30%$500-12 Month Share Certificate
0.30%$500-12 Month HSA Certificate
0.20%$500-6 Month Share Certificate
0.15%$500-3 Month Share Certificate

Sharefax Credit Union IRA Rates

1.15%$500-30 Month Gold IRA Certificate
1.10%$500-30 Month Silver IRA Certificate
1.00%$500-24 Month Gold IRA Certificate
0.95%$500-24 Month Silver IRA Certificate
0.90%$500-30 Month IRA Certificate
0.75%$500-24 Month IRA Certificate
0.75%$500-18 Month Gold IRA Certificate
0.70%$500-18 Month Silver IRA Certificate
0.55%$500-12 Month Gold IRA Certificate
0.50%$500-18 Month IRA Certificate
0.50%$500-12 Month Silver IRA Certificate
0.30%$500-12 Month IRA Certificate

Sharefax Credit Union Locations
Branch Office1147 OLD STATE ROUTE 74BATAVIA, OH 45103
Branch Office10590 READING RDCINCINNATI, OH 45241
Branch Office7443 S MASON MONTGOMERY RDMASON, OH 45040
Branch Office5855 CINEMA DRMILFORD, OH 45150
Branch Office1550 GENNTOWN DRLEBANON, OH 45036