CINFED

Charter #21930 | OH

750M-1B (112 CUs) Community (281 CUs)
5 750M-1B in OH

CINFED has 6 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 2.0% in tier
  • + Relationship Depth Leader: Top 4.1% 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
 Bottom 20.5% in tier
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
 38th in tier
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
 59th in tier
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
 28th in tier
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
 74th in tier
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
 36th in tier
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
 32nd in tier
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
 Top 18.8% in tier
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
 Top 18.8% in tier
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
 69th in tier
Indirect Auto % 6.2%
+5.6% YoY-3.4% QoQ
 -7.7% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 47th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#57 of 1006 • Top 2.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 13.73%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#114 of 1006 • Top 4.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 13.73%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (2)

Liquidity Strain

risk
#77 of 258 • Bottom 9.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 94.46%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 13.73%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Margin Compression

decline
#80 of 136 • Bottom 18.8% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.05%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.16% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $825.47M
(Tier: $859.01M, National: $547.69M)
worse than tier avg
136 of 281 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

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)

Comparing against 112 peers in tier

Top Strengths (11 metrics)

5
Deposit Growth Rate
growth
Value: 13.45%
Peer Avg: 5.03%
#5 of 112 Top 3.6% in 750M-1B tier
5
AMR Growth Rate
growth
Value: 13.73%
Peer Avg: 4.90%
#5 of 112 Top 3.6% in 750M-1B tier
9
Asset Growth Rate
growth
Value: 12.31%
Peer Avg: 4.25%
#9 of 112 Top 7.1% in 750M-1B tier
13
Loan Growth Rate
growth
Value: 13.73%
Peer Avg: 4.84%
#13 of 112 Top 10.7% in 750M-1B tier
15
Total Delinquency Rate (60+ days)
risk
Value: 0.32%
Peer Avg: 0.82%
#15 of 112 Top 12.5% in 750M-1B tier
15
Loan-to-Member Ratio (LMR)
engagement
Value: $17,149
Peer Avg: $12,810
#15 of 112 Top 12.5% in 750M-1B tier
16
Fee Income Per Member
profitability
Value: $288.11
Peer Avg: $204.75
#16 of 112 Top 13.4% in 750M-1B tier
16
Net Charge-Off Rate
risk
Value: 0.22%
Peer Avg: 0.61%
#16 of 112 Top 13.4% in 750M-1B tier
21
Loan-to-Share Ratio
balance_sheet
Value: 94.46%
Peer Avg: 82.66%
#21 of 112 Top 17.9% in 750M-1B tier
21
Average Member Relationship (AMR)
engagement
Value: $35,302
Peer Avg: $28,651
#21 of 112 Top 17.9% in 750M-1B tier

Top Weaknesses (2 metrics)

95
Members Per Employee (MPE)
engagement
Value: 261.178
Peer Avg: 361.634
#95 of 112 Bottom 16.1% in 750M-1B tier
89
Total Members
engagement
Value: 38,132
Peer Avg: 52,114
#89 of 112 Bottom 21.4% in 750M-1B tier