Federal credit union · CINCINNATI, Ohio · NCUA charter #389
Cincinnati Ohio Police
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $188.0M
- Total assets
- 11,251
- Members
- 10.3%
- Net-worth ratio
Cincinnati Ohio Police - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #389: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Cincinnati Ohio Police - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)77
- Earnings (ROA)96
- Member growth100
- Liquidity (loan-to-share)92
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.31% | 30% |
| Delinquency Rate | 1.11% | 25% |
| Return on Assets | 0.46% | 15% |
| Member Growth | 5.91% | 15% |
| Loan-to-Share Ratio | 64.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $188.0M | 11,251 |
| 2024Q4 | $168.2M | 10,623 |
| 2023Q4 | $164.3M | 10,773 |
Credit Union Details
- Charter Number
- 389
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- CINCINNATI
- Data Quarter
- 2025Q4
What This Data Says About Cincinnati Ohio Police
11,251 members and $188.0M in total assets sit behind Cincinnati Ohio Police, a federal credit union in CINCINNATI, Ohio, which posts a health score of 92/100 (Excellent) on the five-factor composite, with $107.3M in outstanding loans as of Q4 2025 and a net worth ratio of 10.31% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #389 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 64.93% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 1.11% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 0.46% on net income of $868K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 5.91%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Low Income) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Cincinnati Ohio Police financially healthy?
Cincinnati Ohio Police scores 92/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.31% net worth ratio and a 1.11% delinquency rate.
How does Cincinnati Ohio Police compare to other credit unions?
On PlainCU's health composite, Cincinnati Ohio Police lands at 92/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Ohio Police?
Cincinnati Ohio Police carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Cincinnati Ohio Police directly to confirm current membership steps.
Is my money safe at Cincinnati Ohio Police?
Federal credit unions like Cincinnati Ohio Police 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 Ohio Police's net worth ratio of 10.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cincinnati Ohio Police offer compared to banks?
Credit unions like Cincinnati Ohio Police 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 Ohio Police directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.