Sharefax Credit Union, Inc.
Major Rating Factors:
A current level of 5.2 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (8.4). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.1 has resulted in Weak (2.7) profitability.
Asset Mix:
Consumer loans (38%), home mtgs (21%), securities (14%), other (27%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
604 Ivy Gateway
Cincinnati, OH 45245
Cincinnati, OH 45245
Phone Number
(513) 753-2440
NCUA Charter Number
Website
Largest Competitors
Cincinnati, OH
Cincinnati, OH
Cincinnati, OH
Cincinnati, OH
Cincinnati, OH