Cinfed
Cincinnati, OH · Charter 21930 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 10 branches
Q2 2026
$863.2MAssets
$719.8MLoans
$723.6MShares
$99.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 81% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 6 of 26).
- Widest gap: net interest margin trails 73% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 19 of 26).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.84%
Rank 11 of 26
Net Interest Margin
3.33%
Rank 19 of 26
Efficiency Ratio
74.34%
Rank 9 of 26
Equity / Assets
11.56%
Rank 15 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.41% | 0.79% | 1.34% | Beats 58% | 11 / 26 | |
| Return on Equity | 7.23% | 3.53% | 6.04% | 8.49% | Beats 62% | 10 / 26 | |
| Net Interest Margin | 3.33% | 3.25% | 4.11% | 4.64% | Beats 27% | 19 / 26 | |
| Efficiency Ratio | 74.34% | 71.52% | 75.99% | 84.12% | Beats 69% | 9 / 26 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.40% | 1.09% | 2.09% | Beats 81% | 6 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.56% | 10.31% | 12.73% | 15.29% | Beats 42% | 15 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.56% | 10.31% | 12.73% | 15.29% | Beats 42% | 15 / 26 | |
| Liquidity & Funding |
| Loans / Deposits | 99.48% | 51.92% | 65.22% | 76.21% | 96th pctl | 1 / 26 | |
| Loans / Assets | 83.38% | 44.32% | 54.77% | 68.75% | 96th pctl | 1 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |