BlastPoint's Credit Union Scorecard
CINFED
Charter #21930 · OH
CINFED has 6 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 16.5% in tier
- + Wallet Share Momentum: Top 16.5% in tier
- + Organic Growth Leader: Top 31.0% in tier
- + Organic Growth Engine: Top 31.0% in tier
- + Loan-to-Share Ratio: Top 9.9% in tier
- + Loan-to-Member Ratio (LMR): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.6% in tier
- - Margin Compression: Bottom 44.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 5 that size in Ohio.
- Shares and deposits +7.9% year over year ($724M in shares and deposits).
- Membership: 38,852 members, +1.9% vs a year ago.
- Delinquency rate 0.30%.
- Return on assets 0.84%.
- Efficiency ratio 74.34% vs a 74.54% peer average.
- Loan-to-share ratio 99.48% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,852
+1.9% YoY+0.5% QoQ
|
-13.6K |
52,482
+1.3% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$863.2M
+7.6% YoY+0.7% QoQ
|
$-718K |
$863.9M
+0.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$719.8M
+12.3% YoY+7.5% QoQ
|
+$112.0M |
$607.8M
+2.1% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
81% |
| Deposits |
$723.6M
+7.9% YoY+0.3% QoQ
|
$-16.3M |
$739.9M
+0.2% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
45% |
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| ROA |
0.8%
-25.0% YoY+34.4% QoQ
|
+0.0% |
0.8%
+30.4% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
53% |
| NIM |
3.3%
+2.1% YoY+2.4% QoQ
|
-0.2% |
3.5%
+6.2% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
37% |
| Efficiency Ratio |
74.3%
+6.0% YoY-5.8% QoQ
|
-0.2% |
74.5%
-1.4% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
0.3%
-5.7% YoY+23.0% QoQ
|
-0.5 |
0.8%
+1.0% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
15% |
| Loan To Share |
99.5%
+4.0% YoY+7.2% QoQ
|
+16.9% |
82.6%
+1.9% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
Top 10.8% in tier |
| AMR |
$37,150
+8.0% YoY+3.3% QoQ
|
+$8K |
$28,702
+0.4% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
Top 13.5% in tier |
| CD Concentration |
30.9%
+11.9% YoY+3.0% QoQ
|
+6.3% | 24.6% | 19.2% | 20.0% | 74% |
| Indirect Auto % |
6.2%
-3.3% YoY-1.9% QoQ
|
-7.4% | 13.6% | 11.9% | 7.7% | 48% |
Signature Analysis
Strengths (4)
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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)