Cinfed

Cincinnati, OH · 1 · Charter #21930 · www.cinfed.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$840.1M
90th percentile
Members
38,444
72th percentile
Total loans
$658.2M
94th percentile
Total shares
$676.4M
87th percentile

Profitability

Return on assets
1.13%
62th percentile
Net interest margin
3.18%
32th percentile
Efficiency ratio
50.54%
79th percentile
Non-interest income ratio
20.15%
57th percentile

Capital & Risk

Net worth ratio
11.45%
58th percentile
Delinquency rate
0.30%
86th percentile
Net charge-off rate
0.23%
74th percentile
Loan-to-share
97.31%
88th percentile

Growth

Member growth YoY
0.95%
55th percentile
Asset growth YoY
12.20%
92th percentile
Loan growth YoY
11.39%
86th percentile
Share growth YoY
14.55%
96th percentile

Operations

Members / branch
5,492
66th percentile
Assets / member
$21,853
83th percentile
Field of membership penetration
1.68%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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