Federal credit union · CINCINNATI, Ohio · NCUA charter #389
Cincinnati Ohio Police
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $188.0M
- Total assets
- 11,251
- Members
- 11.3%
- Net-worth ratio
Cincinnati Ohio Police scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $188.0M; members 11,251; net-worth ratio 11.31%; health rank #797 of 4,374; healthier than 80th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#797 of 4,374 health · 2025Q4Cincinnati Ohio Police · health 92/100 · $188.0M · 2025Q4
- RANK 92/100
- PHOTO 11.3%
- BOOK 1.11%
- CHARTER 0.46%
- NCUSIF $188.0M
- CAMELS 11,251
- HEALTH #797/4,374
- NW Four Points
- DELQ 389
Call Report peers
Cincinnati Ohio Police in the assets neighbourhood
Cincinnati Ohio Police's $188.0M assets sit next to Four Points ($188.0M) 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 Ohio Police 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
92 Top 20% higher than 80% 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 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.
Where Cincinnati Ohio Police diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 64.93% vs peer 72.20% (-7.27 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Cincinnati Ohio Police in Ohio
- Health composite ranks #30 of 196 among scored Ohio credit unions.
- Assets rank #53 of 196 inside Ohio ($188.0M reported).
- Ohio membership ordinal: #59 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.
How Cincinnati Ohio Police's 5300 filing moved
Cincinnati Ohio Police: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $188.0M (2025Q4) to $186.0M (2026Q1).
- Net-worth ratio shifted +0.32 pp (10.99% → 11.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.2 pts
- Return on Assets 14.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.4 pts
Cincinnati Ohio Police health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.31% | -0.80 pp |
| Delinquency Rate | 1.11% | +0.22 pp |
| Return on Assets | 0.46% | -0.16 pp |
| Member Growth | 5.91% | - |
| Loan-to-Share Ratio | 64.93% | -7.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Cincinnati Ohio Police
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $186.0M | - |
| 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
Branch Locations (6)
Per its most recent NCUA branch filing, Cincinnati Ohio Police runs 6 offices in 3 different cities.
| Office | City |
|---|---|
| Cincinnati Ohio Police FCU (Main Office) | Cincinnati, OH |
| Blue Ash | Blue Ash, OH |
| Northwest Branch | Cincinnati, OH |
| Knight Credit Union | Cincinnati, OH |
| Cardinal Credit Union | Cincinnati, OH |
| Fairfield Township | Fairfield Township, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Other-state peers near Cincinnati Ohio Police
Cross-state asset and health neighbours for Cincinnati Ohio Police - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($188.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Cincinnati Ohio Police ranks #797 of 4,374 nationally on financial health and #30 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ABBEY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ABBEY
- 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 Ohio Police financially healthy?
Cincinnati Ohio Police scores 92/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #797 of 4,374; by total assets it ranks #1,314 of 4,374 nationally (same basis as /rankings/largest); and #53 of 196 within Ohio. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.31% 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 11.31% 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.
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.