Compared with Ohio
11 of 22
compared fees are above the median.
6 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
75th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Ohio median
of 22 compared; 6 below, 5 about the same
See the feesFee schedule read Oct 4, 2026
Call-report figures are for Sharefax Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Ohio median | Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Sharefax Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 4, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (75th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $1.2M in Q2 2026, 28% above the same quarter a year earlier ($969K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 22 compared published fees sit above the Ohio median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Ohio medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Can be waived with a balance of $500 or more.
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 10% from Q3 2025 to Q2 2026, to $1.2M. Its share of revenue, 11%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.2M
Sharefax Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Sharefax Federal Credit Union · $721M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Sharefax Federal Credit Union(this institution) | Cincinnati, OH | $721M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Catholic Federal Credit Union | Farmington Hills, MI | $719M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Credit Union, A | DuPont, WA | $710M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Apl Federal Credit Union | Laurel, MD | $724M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arizona Central Federal Credit Union | Phoenix, AZ | $733M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Armco Federal Credit Union | Butler, PA | $719M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bmi Federal Credit Union | Dublin, OH | $732M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cornerstone Community Federal Credit Union | Lockport, NY | $730M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Department Of Commerce Federal Credit Union | Washington, DC | $739M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Choice America Community Federal Credit Union | Weirton, WV | $714M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Citizens' Federal Credit Union | Fairhaven, MA | $706M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Generations Community Federal Credit Union | San Antonio, TX | $735M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Iowa Federal Credit Union | Ames, IA | $715M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heartland Federal Credit Union | Hutchinson, KS | $726M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy Community Federal Credit Union | Birmingham, AL | $727M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lokahi Federal Credit Union | Honolulu, HI | $702M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mainstreet Federal Credit Union | Lenexa, KS | $703M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mass. Institute Of Tech. Federal Credit Union | Lexington, MA | $731M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Members Choice Federal Credit Union | Houston, TX | $721M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meridian Trust Federal Credit Union | Cheyenne, WY | $731M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mypoint Federal Credit Union | San Diego, CA | $705M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northland Area Federal Credit Union | Alpena, MI | $714M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Primeway Federal Credit Union | Houston, TX | $736M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Superior Choice Federal Credit Union | Superior, WI | $730M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Umassfive College Federal Credit Union | Hadley, MA | $703M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Uncle Federal Credit Union | Livermore, CA | $716M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $3.95, against a peer median of $7 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Sharefax Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.2M | +$78K | +6.7% |
| Q1 2026 | $1.2M | −$73K | −5.9% |
| Q4 2025 | $1.2M | +$108K | +9.6% |
| Q3 2025 | $1.1M | +$154K | +15.9% |
| Q2 2025 | $969K | +$92K | +10.5% |
| Q1 2025 | $877K | −$24K | −2.7% |
| Q4 2024 | $901K | +$20K | +2.3% |
| Q3 2024 | $881K | +$71K | +8.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Sharefax Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Sharefax Federal Credit Union by share.
Amounts from Sharefax Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per hour
per item
per month
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Ultimate Checking monthly fee for avg. balances less than $500 | $3.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Minimum Balance Fee (excludes minors) (If average total savings is < $50 & no active loan) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheated Processing Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Legal Research Fee (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement Reconciliation Fee (per hour) | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Incorrect Address Fee (If mail is returned to Sharefax as undeliverable) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $33Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds ACH Fee | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Non-Sufficient Funds Check Fee | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Return Check Fee | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Negative Balance Fee (per item) | $33Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Overdraft Transfer Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Account Transfer Fee | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Balance Inquiry Fee | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Withdrawal Fee | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Expedite Fee | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee (Domestic) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers (Incoming) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fee (Foreign) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Bank Check Fee (payable to 3rd party) | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier’s Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Certified Check Fee | $6Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order Fee | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing Fee (NON-Member) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Check Processing Fee | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Check Fee | $30Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Court Ordered Processing Fee ‐ Tax Levy & Garnishment | $40Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Subordination Prep Fee | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Late Charge (per month) | $30Not compared: Monthly charge, not per item | per month | None |
Gift & Prepaid Cards | |||
| Visa Gift Card Fee | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement/History Copy Fee & Fax Fee | $3Not compared: Charged per page; comparison unavailable | per page | None |
Oct 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Sharefax Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
10 offices in 2 states (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Cincinnati, OH | 4 |
| Batavia, OH | 1 |
| Lebanon, OH | 1 |
| Liberty Township, OH | 1 |
| Mason, OH | 1 |
| Milford, OH | 1 |
| Phoenix, AZ | 1 |
Largest competitors nearby
Local market: Hamilton, Clermont and Warren counties, OH, around its headquarters.
| 61 in its local market | Deposit share |
|---|---|
| U.S. Bank National Association | 56.8% |
| Fifth Third Bank, National Association | 26.1% |
| PNC Bank, National Association | 4.7% |
| First Financial Bank | 2.5% |
| The Huntington National Bank | 2.2% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.