BlastPoint's Credit Union Scorecard

CINFED

Charter #21930 · OH

Community 750M-1B

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

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CINFED has 7 strengths but faces 1 concern

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 12.0% in tier
+ Wallet Share Momentum: Top 21.9% in tier
+ Organic Growth Engine: Top 72.2% in tier
+ Organic Growth Leader: Top 86.6% in tier
+ ROA 0.26% above tier average
+ Deposit Growth Rate: Top 7.7% in tier
+ AMR Growth Rate: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 42.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	38,444 +0.9% YoY+0.8% QoQ	-13.6K	52,084 -1.6% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	22%
Assets	$840.1M +12.2% YoY+1.8% QoQ	$-23.8M	$863.9M +0.5% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	43%
Loans	$658.2M +11.4% YoY+0.7% QoQ	+$52.4M	$605.8M +1.4% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	63%
Deposits	$704.5M +12.9% YoY+1.8% QoQ	$-32.7M	$737.3M +0.1% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	35%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -8.3% YoY-3.5% QoQ	+0.3%	0.7% +39.1% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	70%
NIM	3.2% +4.1% YoY-0.1% QoQ	-0.2%	3.4% +8.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	34%
Efficiency Ratio	71.3% +1.0% YoY+0.2% QoQ	-3.1%	74.3% -3.6% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	32%
Delinquency Rate	0.3% -22.7% YoY-4.6% QoQ	-0.6	0.9% +3.8% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	15%
Loan To Share	93.4% -1.4% YoY-1.1% QoQ	+10.9%	82.6% +1.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	79%
AMR	$35,448 +11.1% YoY+0.4% QoQ	+$7K	$28,873 +2.7% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	80%
CD Concentration	29.6% +17.4% YoY+0.5% QoQ	+5.2%	24.4%	19.4%	19.8%	70%
Indirect Auto %	6.3% +11.1% YoY+0.8% QoQ	-7.5%	13.8%	11.2%	7.8%	47%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#33 of 268 • Top 12.0% 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): 11.13%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $2.9K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Wallet Share Momentum

growth

#113 of 513 • Top 21.9% in tier

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

Why This Signature

AMR Growth (YoY): 11.13%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | New qualifier

Organic Growth Engine

growth

#430 of 595 • Top 72.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.95%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.01%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 6.27%

(Tier: 13.79%, National: 7.78%)

better than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#369 of 426 • Top 86.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.95%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 6.27%

(Tier: 13.79%, National: 7.78%)

better than tier avg

609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#98 of 228 • Bottom 42.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.43%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 11.39%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 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 (10 metrics)

Deposit Growth Rate

growth

Value: 12.93%

Peer Median: -

#10 of 117 Top 7.7% in 750M-1B tier

AMR Growth Rate

growth

Value: 11.13%

Peer Median: -

#11 of 117 Top 8.5% in 750M-1B tier

Asset Growth Rate

growth

Value: 12.20%

Peer Median: -

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

Loan Growth Rate

growth

Value: 11.39%

Peer Median: -

#17 of 117 Top 13.7% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,122

Peer Median: -

#17 of 117 Top 13.7% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.30%

Peer Median: -

#19 of 117 Top 15.4% in 750M-1B tier

Fee Income Per Member

profitability

Value: $275.71

Peer Median: -

#20 of 117 Top 16.2% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.23%

Peer Median: -

#23 of 117 Top 18.8% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $35,448

Peer Median: -

#24 of 117 Top 19.7% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 93.43%

Peer Median: -

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

Top Weaknesses (2 metrics)

Members Per Employee (MPE)

engagement

Value: 268.839

Peer Median: -

#98 of 117 Bottom 17.1% in 750M-1B tier

Total Members

engagement

Value: 38,444

Peer Median: -

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