BlastPoint's Credit Union Scorecard
CINCINNATI INTERAGENCY
Charter #7088 · OH
CINCINNATI INTERAGENCY has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.46% above tier average
- + Net Interest Margin 1.06% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -3.1% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in Ohio.
- Shares and deposits -6.1% year over year ($24.9M in shares and deposits).
- Membership: 1,991 members, -3.1% vs a year ago.
- Delinquency rate 0.82%.
- Return on assets 1.95%.
- Efficiency ratio 65.66% vs a 88.77% peer average.
- Loan-to-share ratio 49.47% vs a 58.89% 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 |
1,991
-3.1% YoY-1.2% QoQ
|
-594 |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$30.8M
-3.0% YoY-0.9% QoQ
|
+$489K |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$12.3M
-8.5% YoY-3.3% QoQ
|
$-3.2M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$24.9M
-6.1% YoY-1.7% QoQ
|
$-938K |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
59% |
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| ROA |
2.0%
+11.2% YoY+7.2% QoQ
|
+0.5% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
Top 10.3% in tier |
| NIM |
5.0%
-2.2% YoY+0.9% QoQ
|
+1.1% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Top 12.5% in tier |
| Efficiency Ratio |
65.7%
+11.9% YoY-2.7% QoQ
|
-23.1% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate |
0.8%
+344.1% YoY-0.3% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
49.5%
-2.6% YoY-1.6% QoQ
|
-9.4% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$18,667
-3.9% YoY-1.1% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
3.3%
-11.6% YoY+1.8% QoQ
|
-21.2% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 7.7% | 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)