BlastPoint's Credit Union Scorecard
CINCINNATI EMPLOYEES
Charter #65205 · OH
CINCINNATI EMPLOYEES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 6.5% in tier
- + Loan-to-Member Ratio (LMR): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 5.16% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 3.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,733
+0.4% YoY+0.2% QoQ
|
-882 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$33.1M
+2.8% YoY-2.2% QoQ
|
+$2.9M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$16.8M
-0.9% YoY-1.3% QoQ
|
+$991K |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$29.1M
+2.6% YoY-2.8% QoQ
|
+$3.4M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
0.1%
+62.1% YoY-22.6% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
1.8%
+6.6% YoY+0.1% QoQ
|
-2.1% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.1% in tier |
| Efficiency Ratio |
87.7%
-1.1% YoY+2.0% QoQ
|
+5.2% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.2%
+38.2% YoY-21.7% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
57.5%
-3.4% YoY+1.6% QoQ
|
-3.1% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$26,478
+0.9% YoY-2.5% QoQ
|
+$12K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 6.6% in tier |
| CD Concentration |
28.6%
+6.4% YoY-2.5% QoQ
|
+4.2% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)