BlastPoint's Credit Union Scorecard
CINCINNATI EMPLOYEES
Charter #65205 · OH
CINCINNATI EMPLOYEES has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 5.9% in tier
- + Loan-to-Member Ratio (LMR): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Efficiency ratio 4.64% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
- - Net Interest Margin (NIM): Bottom 2.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,729
-0.5% YoY-0.1% QoQ
|
-896 |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
45% |
| Assets |
$33.8M
+3.3% YoY+2.3% QoQ
|
+$3.9M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$17.0M
-1.1% YoY+2.5% QoQ
|
+$1.2M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
65% |
| Deposits |
$30.0M
+3.5% YoY+2.4% QoQ
|
+$4.5M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
66% |
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| ROA |
0.2%
+5.1% YoY+141.5% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
1.8%
+7.4% YoY+5.6% QoQ
|
-2.1% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
86.0%
+0.6% YoY-7.2% QoQ
|
+4.6% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
69% |
| Delinquency Rate |
1.6%
+112.8% YoY-36.8% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
56.6%
-4.5% YoY+0.1% QoQ
|
-4.6% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$27,151
+2.4% YoY+2.5% QoQ
|
+$13K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Top 5.9% in tier |
| CD Concentration |
29.3%
+17.1% YoY+8.2% QoQ
|
+4.9% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
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)