Unverified listing What this means
The Lender Report built this page from public records. Sharefax Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Sharefax Credit Union itself. Each figure shows its source and date. Work at Sharefax Credit Union? You can claim this page for free.
Credit union, Cincinnati, OH
Sharefax Credit Union
A credit union based in Cincinnati, OH. Its commercial book is mostly non-owner-occupied CRE. Public files show recent 1-4 unit investor and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $22.1M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 2
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $721M
- NCUA 5300,
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How to reach them
Each line shows where it came from
- Phone
- 513-753-2440 From the NCUA record, June 30, 2026.
- Website
- www.sharefax.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- SHAREFAXNCUA 5300,
- Address
- 604 Ivy Gateway, Cincinnati, OH 45245NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 44.3% to $16M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 107.0% to $3.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Multifamily balance rose 48.0% to $1.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
No public record of recent loans. That can mean no such loans or no duty to report.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $1.80M | 0.3% | +48.0% | 14 | $128K |
| Construction and land development | $536K | 0.1% | Not reported | 3 | $179K |
| Owner-occupied CRE | $3.53M | 0.7% | +107.0% | 30 | $118K |
| Non-owner-occupied CRE | $16.0M | 3.1% | +44.3% | 69 | $232K |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $255K | 0.1% | Not reported | 6 | $42.5K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $22.1M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $14.5M |
| Q4 2023 | $14.3M |
| Q1 2024 | $14.1M |
| Q2 2024 | $14.7M |
| Q3 2024 | $14.3M |
| Q4 2024 | $14.8M |
| Q1 2025 | $14.8M |
| Q2 2025 | $14.7M |
| Q3 2025 | $14.6M |
| Q4 2025 | $24.0M |
| Q1 2026 | $22.1M |
| Q2 2026 | $22.1M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 1 | $35K | $35K | HMDA, | |
| Real-estate-secured commercial | First half of 2026 | 2 | $925K | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 2 | $925K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
| Book | Average loan |
|---|---|
| Construction and land development | $179K |
| Multifamily | $128K |
| Owner-occupied CRE | $118K |
| Non-owner-occupied CRE | $232K |
| Commercial and industrial | $42.5K |
Programs on record: Federal Home Loan Bank member, Cincinnati district (FHFA).
Where it lends
Offices beside loans on record
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $88.3M | $41.2M to $172M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $27.3M | $0 to $66.7M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 30.9% | 0.0% to 80.5% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $10.6M | $7.11M to $19.9M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 25.9% | 1.6% to 66.6% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 71.9% | 26.7% to 80.9% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Pathways Financial Credit Union | OH | $772M | $73.7M |
| SUN Credit Union | OH | $676M | $59.9M |
| Day Air Credit Union | OH | $909M | $95.1M |
| Homeland Credit Union | OH | $624M | $1.66M |
| Canton School Employees Credit Union | OH | $462M | $17.4M |
| Universal 1 Credit Union | OH | $425M | $31.1M |
| Genfed Financial Credit Union | OH | $336M | $17.9M |
| Directions Credit Union | OH | $1.40B | $38.2M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Sharefax Credit Union, NCUA charter 61090. Compare it with the regulator's record. [NCUA profile]
- Balances. $721M in total assets and $22.1M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 2 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 1 loan in the HMDA file, in 2025: 1 HMDA 1-4 unit investor 2025. [How each file was tied to Sharefax Credit Union]
- Phone and website. Phone 513-753-2440, from the NCUA record. Website sharefax.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 61090
- RSSD
- 368090
- LEI
- 549300FB7LY738B0AS28
- The Lender Report ID
- lr_001994
- Main office county
- Clermont
- Members
- 42,478
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $720.8M in total assets as of June 30, 2026 (NCUA 5300).
- Held $22.1M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $16M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 44.3% from a year earlier (NCUA 5300).
- Held $3.5M of owner-occupied commercial real estate loans as of June 30, 2026, up 107.0% from a year earlier (NCUA 5300).
- Held $1.8M of multifamily loans as of June 30, 2026, up 48.0% from a year earlier (NCUA 5300).
- Originated 1 1-4 unit investor or business-purpose loan totaling $35K in 2025 (HMDA).
3 more sentences
- Originated 2 real-estate-secured commercial loans totaling $925K in the first half of 2026 (NCUA 5300).
- Held $18.5M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 10 offices in 2 states (NCUA).
Cite this
Source: The Lender Report, Sharefax Credit Union, https://lender.report/lender/sharefax-credit-union-oh/, data as of June 30, 2026.
Sources
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem