Federal credit union · Cincinnati, Ohio · NCUA charter #21930
CINFED
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $840.1M
- Total assets
- 38,444
- Members
- 11.4%
- Net-worth ratio
CINFED scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $840.1M; members 38,444; net-worth ratio 11.38%; health rank #525 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#525 of 4,374 health · 2025Q4CINFED · health 94/100 · $840.1M · 2025Q4
Call Report peers
CINFED in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CINFED vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CINFED sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for CINFED
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +9.53 pp (93.43% vs 83.90%).
Where CINFED sits in Ohio
- In Ohio, health place is #17 of 196 on the same NCUA-ratio sort used nationally.
- Assets rank #10 of 196 inside Ohio ($840.1M reported).
- Membership ranks #17 of 196 among Ohio CUs with a reported count (38,444 members).
- One place up in Ohio, Glass City (#16) scores 95/100, 1 point higher; one place down, Scott Associates (#18) ties at 94/100.
CINFED Call Report trajectory
CINFED: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $840.1M (2025Q4) to $856.9M (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.45% → 11.38%).
11.38% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
CINFED gives up 6 points in total. Member Growth costs the most, 4.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 13.9 pts
CINFED health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.38% | +0.20 pp |
| Delinquency Rate | 0.30% | -0.57 pp |
| Return on Assets | 0.97% | +0.46 pp |
| Member Growth | 0.95% | - |
| Loan-to-Share Ratio | 93.43% | +9.53 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $856.9M | - |
| 2025Q4 | $840.1M | 38,444 |
| 2024Q4 | $748.8M | 38,083 |
| 2023Q4 | $730.6M | 38,057 |
Credit Union Details
- Charter Number
- 21930
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Ohio
- City
- Cincinnati
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for CINFED, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| OAKLEY CORPORATE HEADQUARTERS (Main Office) | Cincinnati, OH |
| Roselawn | Cincinnati, OH |
| Glenway Crossing Branch | Cincinnati, OH |
| East (Jungle Jim's) | Cincinnati, OH |
| Colerain Branch | Cincinnati, OH |
| Florence Office | Florence, KY |
| Ft. Wright Office | Ft Wright, KY |
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.
Other-state peers near CINFED
Using this data
- CINFED ranks #525 of 4,374 nationally on financial health and #17 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ATOMIC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ATOMIC
Frequently Asked Questions
Is CINFED financially healthy?
CINFED has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #525 of 4,374 nationally on health and #17 of 196 in Ohio. Its net worth ratio is 11.38% and its delinquency rate 0.30%.
How does CINFED compare to other credit unions?
CINFED scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.43% vs 83.90%).
How can I join CINFED?
CINFED operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CINFED directly for the exact boundaries and application steps.
Is my money safe at CINFED?
CINFED is a federal 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. CINFED's net worth ratio of 11.38% 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.