Federal credit union · Cincinnati, Ohio · NCUA charter #96722
Greater Cincinnati School
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $134.2M
- Total assets
- 8,047
- Members
- 12.8%
- Net-worth ratio
Greater Cincinnati School scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $134.2M; members 8,047; net-worth ratio 12.80%; health rank #2,103 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,103 of 4,374 health · 2025Q4Greater Cincinnati School · health 84/100 · $134.2M · 2025Q4
- CHARTER 84/100
- NCUSIF 12.8%
- CAMELS 0.49%
- HEALTH 1.81%
- NW $134.2M
- DELQ 8,047
- ROA #2,103/4,374
- ASSETS Indiana State University
- MEM 96722
Call Report peers
Greater Cincinnati School in the assets neighbourhood
Greater Cincinnati School's $134.2M assets sit next to Indiana State University ($134.2M) 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.
Greater Cincinnati School 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
84 Top 50% higher than 50% 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
Greater Cincinnati School - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #96722 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Greater Cincinnati School: Call Report deltas vs peers
- Largest favorable gap: Return on Assets at 1.81% vs peer 0.62% (+1.19 pp).
- Loan-to-Share Ratio trails the peer set - 61.48% here, 72.20% peer average (-10.72 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for Greater Cincinnati School
- Ohio health ordinal: #93 of 196.
- Ohio assets place: #65 of 196.
- Member book place in Ohio: #72 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.
Greater Cincinnati School Call Report trajectory
Greater Cincinnati School: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $134.2M (2025Q4) to $135.3M (2026Q1).
- Net-worth ratio shifted -0.36 pp (13.16% → 12.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.7 pts
- Loan-to-Share Ratio 13.3 pts
Call Report ratios for Greater Cincinnati School
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.80% | +0.69 pp |
| Delinquency Rate | 0.49% | -0.40 pp |
| Return on Assets | 1.81% | +1.19 pp |
| Member Growth | -4.63% | - |
| Loan-to-Share Ratio | 61.48% | -10.72 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).
Greater Cincinnati School quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $135.3M | - |
| 2025Q4 | $134.2M | 8,047 |
| 2024Q4 | $129.0M | 8,438 |
| 2023Q4 | $126.4M | 9,021 |
Credit Union Details
- Charter Number
- 96722
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Cincinnati
- Data Quarter
- 2025Q4
Branch Locations (4)
Greater Cincinnati School operates 4 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Silverton (Main Office) | Cincinnati, OH |
| North College Hill | Cincinnati, OH |
| Western Hills | Cincinnati, OH |
| Mason | Mason, 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.
Cross-state Call Report peers for Greater Cincinnati School
Cross-state asset and health neighbours for Greater Cincinnati School - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($134.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Greater Cincinnati School ranks #2,103 of 4,374 nationally on financial health and #93 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DAY-MET is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DAY-MET
- 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 Greater Cincinnati School financially healthy?
Greater Cincinnati School scores 84/100 (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 #2,103 of 4,374; by total assets it ranks #1,580 of 4,374 nationally (same basis as /rankings/largest); and #65 of 196 within Ohio. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.80% net worth ratio and a 0.49% delinquency rate.
How does Greater Cincinnati School compare to other credit unions?
On PlainCU's health composite, Greater Cincinnati School lands at 84/100, 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 Greater Cincinnati School?
Membership eligibility for Greater Cincinnati School depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Greater Cincinnati School directly for current membership requirements and application steps.
Is my money safe at Greater Cincinnati School?
Federal credit unions like Greater Cincinnati School 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. Greater Cincinnati School's net worth ratio of 12.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greater Cincinnati School offer compared to banks?
Credit unions like Greater Cincinnati School 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 Greater Cincinnati School 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.