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
Call Report peers
Cincinnati Employees in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Cincinnati Employees sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Cincinnati Employees diverges from peer averages
- Net Worth Ratio trails the peer set - 10.62% here, 14.86% peer average (-4.24 pp).
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.
- One place up in Ohio, S and J School Employees (#140) ties at 78/100; one place down, Cardinal Credit Union, Inc. (#142) ties at 78/100.
Cincinnati Employees Call Report trajectory
Cincinnati Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $33.1M (2025Q4) to $34.2M (2026Q1).
- Net-worth ratio shifted -0.33 pp (10.95% → 10.62%).
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
Cincinnati Employees gives up 22 points in total. Return on Assets costs the most, 7 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Cincinnati Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Cincinnati Employees scores 78/100 (Very Good), with a 10.62% net worth ratio and 1.23% of loans delinquent. It ranks #2,996 of 4,374 nationally on health and #141 of 196 in Ohio.
How does Cincinnati Employees compare to other credit unions?
Cincinnati Employees scores 78/100, higher than 31% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (10.62% vs 14.86%).
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?
Cincinnati Employees is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.