Cincinnati Interagency

Cincinnati, OH · 1 · Charter #7088 · www.cifcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$31.1M
79th percentile
Members
2,035
66th percentile
Total loans
$13.3M
74th percentile
Total shares
$25.6M
78th percentile

Profitability

Return on assets
2.28%
94th percentile
Net interest margin
5.23%
88th percentile
Efficiency ratio
61.61%
61th percentile
Non-interest income ratio
12.43%
61th percentile

Capital & Risk

Net worth ratio
17.07%
62th percentile
Delinquency rate
0.80%
47th percentile
Net charge-off rate
0.05%
68th percentile
Loan-to-share
51.97%
37th percentile

Growth

Member growth YoY
-2.86%
35th percentile
Asset growth YoY
-6.51%
12th percentile
Loan growth YoY
-4.07%
45th percentile
Share growth YoY
-10.01%
8th percentile

Operations

Members / branch
678
32th percentile
Assets / member
$15,297
86th percentile
Field of membership penetration
58.14%
75th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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