BlastPoint's Credit Union Scorecard
CINCINNATI INTERAGENCY
Charter #7088 · OH
CINCINNATI INTERAGENCY has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.32% above tier average
- + Net Interest Margin 1.25% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.9% YoY
- - Deposit Growth Rate: Bottom 6.9% in tier
- - Asset Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,035
-2.9% YoY-0.7% QoQ
|
-580 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$31.1M
-6.5% YoY-1.1% QoQ
|
+$984K |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$13.3M
-4.1% YoY-2.0% QoQ
|
$-2.5M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$25.6M
-10.0% YoY-2.0% QoQ
|
$-134K |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
1.9%
+221.0% YoY+4.9% QoQ
|
+1.3% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Top 7.6% in tier |
| NIM |
5.2%
+6.2% YoY+0.3% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 10.6% in tier |
| Efficiency Ratio |
61.9%
+0.8% YoY+0.7% QoQ
|
-20.7% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.4% in tier |
| Delinquency Rate |
0.8%
+312.6% YoY+57.2% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
52.0%
+6.6% YoY-0.0% QoQ
|
-8.6% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$19,083
-5.4% YoY-1.3% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
3.2%
-13.4% YoY-12.4% QoQ
|
-21.2% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)