BlastPoint's Credit Union Scorecard
CINFED
Charter #21930 · OH
CINFED has 7 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 5.9% in tier
- + Wallet Share Momentum: Top 11.7% in tier
- + Credit Quality Leader: Top 75.8% in tier
- + ROA 0.34% above tier average
- + Deposit Growth Rate: Top 3.6% in tier
- + AMR Growth Rate: Top 3.6% in tier
- + Asset Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.8% in tier
- - Margin Compression: Bottom 18.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,132
-0.1% YoY+0.0% QoQ
|
-14.0K |
52,114
-2.1% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$825.5M
+12.3% YoY+2.9% QoQ
|
$-33.5M |
$859.0M
+0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$653.9M
+13.7% YoY+2.0% QoQ
|
+$50.5M |
$603.4M
+1.0% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$692.2M
+13.4% YoY+3.2% QoQ
|
$-41.9M |
$734.2M
+0.9% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
1.0%
-13.5% YoY-6.6% QoQ
|
+0.3% |
0.7%
+27.6% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
3.2%
+5.1% YoY-2.0% QoQ
|
-0.2% |
3.4%
+9.6% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
71.1%
+2.6% YoY+1.5% QoQ
|
-3.4% |
74.5%
-3.2% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.3%
-20.3% YoY+0.9% QoQ
|
-0.5 |
0.8%
+5.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.5% in tier |
| Loan To Share |
94.5%
+0.2% YoY-1.2% QoQ
|
+11.8% |
82.7%
+0.1% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$35,302
+13.7% YoY+2.6% QoQ
|
+$7K |
$28,651
+2.5% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
29.5%
+20.7% YoY+6.8% QoQ
|
+5.1% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
69% |
| Indirect Auto % |
6.2%
+5.6% YoY-3.4% QoQ
|
-7.8% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
47% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)