Cincinnati Employees

Harrison, OH · 2 · Charter #65205 · www.cintiecu.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
$33.1M
81th percentile
Members
1,733
59th percentile
Total loans
$16.8M
82th percentile
Total shares
$29.1M
83th percentile

Profitability

Return on assets
0.26%
25th percentile
Net interest margin
1.84%
3th percentile
Efficiency ratio
51.11%
81th percentile
Non-interest income ratio
8.23%
46th percentile

Capital & Risk

Net worth ratio
10.95%
22th percentile
Delinquency rate
1.23%
36th percentile
Net charge-off rate
0.27%
47th percentile
Loan-to-share
57.50%
46th percentile

Growth

Member growth YoY
0.41%
72th percentile
Asset growth YoY
2.80%
61th percentile
Loan growth YoY
-0.93%
59th percentile
Share growth YoY
2.60%
61th percentile

Operations

Members / branch
1,733
71th percentile
Assets / member
$19,077
95th percentile
Field of membership penetration
49.51%
65th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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