State credit union · Harrison, Ohio · NCUA charter #65205
Cincinnati Employees
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $33.1M
- Total assets
- 1,733
- Members
- 10.6%
- Net-worth ratio
Cincinnati Employees scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.1M; members 1,733; net-worth ratio 10.62%; health rank #2,996 of 4,374; healthier than 31st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,996 of 4,374 health · 2025Q4Cincinnati Employees · health 78/100 · $33.1M · 2025Q4
- PHOTO 78/100
- BOOK 10.6%
- CHARTER 1.23%
- NCUSIF 0.08%
- CAMELS $33.1M
- HEALTH 1,733
- NW #2,996/4,374
- DELQ Pfd Firefighters Credit Union Inc.
- ROA 65205
Call Report peers
Cincinnati Employees in the assets neighbourhood
Cincinnati Employees's $33.1M assets sit next to Pfd Firefighters Credit Union Inc. ($33.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cincinnati Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Cincinnati Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #65205: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Cincinnati Employees diverges from peer averages
- Net Worth Ratio trails the peer set - 10.62% here, 14.86% peer average (-4.24 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for Cincinnati Employees
- In Ohio, health place is #141 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #126 of 196.
- Ohio membership ordinal: #154 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Cincinnati Employees Call Report trajectory
Cincinnati Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $33.1M (2025Q4) to $34.2M (2026Q1).
- Net-worth ratio shifted -0.33 pp (10.95% → 10.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.3 pts
- Return on Assets 8.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 12.2 pts
Cincinnati Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.62% | -4.24 pp |
| Delinquency Rate | 1.23% | +0.09 pp |
| Return on Assets | 0.08% | -0.63 pp |
| Member Growth | 0.41% | - |
| Loan-to-Share Ratio | 57.50% | -2.30 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Cincinnati Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.2M | - |
| 2025Q4 | $33.1M | 1,733 |
| 2024Q4 | $32.2M | 1,726 |
| 2023Q4 | $33.2M | 1,732 |
Credit Union Details
- Charter Number
- 65205
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Harrison
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Cincinnati Employees.
| Office | City |
|---|---|
| Cincinnati Employees Credit Union (Main Office) | Harrison, OH |
| Cincinnati ECU | Harrison, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Cincinnati Employees - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($33.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Cincinnati Employees ranks #2,996 of 4,374 nationally on financial health and #141 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Wayne Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Wayne Community
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Cincinnati Employees financially healthy?
A 10.62% net worth ratio and a 1.23% delinquency rate feed into Cincinnati Employees's financial health score of 78/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,996 of 4,374; by total assets it ranks #2,779 of 4,374 nationally (same basis as /rankings/largest); and #126 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Cincinnati Employees compare to other credit unions?
Cincinnati Employees scores 78/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Cincinnati Employees?
Membership eligibility for Cincinnati Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Cincinnati Employees directly for current membership requirements and application steps.
Is my money safe at Cincinnati Employees?
Federal credit unions like Cincinnati Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Cincinnati Employees's net worth ratio of 10.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cincinnati Employees offer compared to banks?
Credit unions like Cincinnati Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Cincinnati Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.