BlastPoint's Credit Union Scorecard

CINFED

Charter #21930 · OH

Community 750M-1B

117 CUs in 750M-1B nationally 5 in OH

View Community leaderboard →

CINFED has 4 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 12.4% in tier
+ Wallet Share Momentum: Top 12.4% in tier
+ Organic Growth Leader: Top 37.4% in tier
+ Organic Growth Engine: Top 37.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.4% in tier
- ROA 0.14% below tier average
- Efficiency ratio 3.40% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	38,665 +1.2% YoY+0.6% QoQ	-12.8K	51,500 +0.7% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	22%
Assets	$856.9M +10.8% YoY+2.0% QoQ	$-8.7M	$865.6M +0.9% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	49%
Loans	$669.6M +9.8% YoY+1.7% QoQ	+$74.4M	$595.3M +1.6% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	72%
Deposits	$721.5M +10.7% YoY+2.4% QoQ	$-20.7M	$742.2M +0.6% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	42%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +35.8% YoY-38.1% QoQ	-0.1%	0.8% +45.0% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	48%
NIM	3.3% +0.0% YoY+1.7% QoQ	-0.2%	3.5% +6.1% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	38%
Efficiency Ratio	78.9% -3.7% YoY+10.7% QoQ	+3.4%	75.5% -3.4% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	57%
Delinquency Rate	0.2% -14.3% YoY-20.4% QoQ	-0.4	0.7% -0.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	Top 14.5% in tier
Loan To Share	92.8% -0.8% YoY-0.7% QoQ	+12.2%	80.6% +0.7% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	81%
AMR	$35,980 +8.9% YoY+1.5% QoQ	+$7K	$28,908 +0.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	85%
CD Concentration	30.0% +18.1% YoY+1.1% QoQ	+5.7%	24.3%	19.4%	19.8%	71%
Indirect Auto %	6.3% -1.1% YoY+1.3% QoQ	-7.5%	13.8%	11.4%	7.7%	47%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#49 of 257 • Top 12.4% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 8.91%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $2.9K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#165 of 491 • Top 12.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.91%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank improving

Organic Growth Leader

growth

#291 of 371 • Top 37.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.25%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 6.35%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#323 of 352 • Top 37.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.25%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.62%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 6.35%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#83 of 183 • Bottom 8.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.81%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.79%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (9 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $17,319

Peer Median: $11,598

#13 of 117 Top 10.3% in 750M-1B tier

Deposit Growth Rate

growth

Value: 10.71%

Peer Median: 4.60%

#15 of 117 Top 12.0% in 750M-1B tier

AMR Growth Rate

growth

Value: 8.91%

Peer Median: 3.70%

#15 of 117 Top 12.0% in 750M-1B tier

Asset Growth Rate

growth

Value: 10.84%

Peer Median: 4.88%

#16 of 117 Top 12.8% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Median: 0.56%

#18 of 117 Top 14.5% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $35,980

Peer Median: $26,209

#18 of 117 Top 14.5% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 92.81%

Peer Median: 84.41%

#22 of 117 Top 17.9% in 750M-1B tier

Loan Growth Rate

growth

Value: 9.79%

Peer Median: 4.33%

#25 of 117 Top 20.5% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.26%

Peer Median: 0.47%

#29 of 117 Top 23.9% in 750M-1B tier

Top Weaknesses (2 metrics)

103

Members Per Employee (MPE)

engagement

Value: 259.497

Peer Median: 328.468

#103 of 117 Bottom 12.8% in 750M-1B tier

Total Members

engagement

Value: 38,665

Peer Median: 51,712

#91 of 117 Bottom 23.1% in 750M-1B tier