# CINFED
Cincinnati, OH · NCUA charter 21930 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cinfed-21930

Who the members are: federal charter, community charter, organized 1975, low-income designated. 38,665 members of 2,304,804 potential (1.7% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $856.9M |
| Members | 38,665 (1.3% YoY) |
| Full-time staff | 147 |
| Net worth | $97.5M |
| Net worth ratio | 11.4% (p64 of band) |
| ROA (annualized) | 0.62% (p51 of band) |
| Total delinquency | 0.24% (p15 of band) |
| Net charge-offs (annualized) | 0.26% (p29 of band) |
| Loans / shares | 93% (p86 of band) |
| Cash / assets | 12.9% |
| Borrowings / assets | 3.65% |
| Net interest margin | 3.26% (p35 of band) |
| Operating expense / assets | 3.24% (p32 of band) |
| Vehicles % of loans | 14% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 45% |
| Third-party paper % of net worth | 60% (p41 of band) |
| Vehicle delinquency | 0.50% (p43 of band) |
| Vehicle NCO | 1.34% (p70 of band) |
| Repossessed % of vehicle book | 0.09% (p63 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 233% |
| Core shares % of member funds | 34% |
| Certificates % of member funds | 30% |
| Average share balance | $7,040 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.8M |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $32,091 |
| Loans granted, annualized | $195.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.8M outstanding purchased (5.9% of net worth), $8.3M sold and retained. Sold in 3 and bought in 5 of the last 8 quarters. Shares 10.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-09 | 3 | loans>95% of shares |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | repo signal | loans>95% of shares |
| 2017-06 | 3 | loans>95% of shares | repo signal |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | 3rd-party paper>100% NW |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 2 | loans>95% of shares |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | loans>95% of shares |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | net worth falling | leaning on borrowings |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | leaning on borrowings |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 0 |  | leaning on borrowings, delinquency rising |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 1 | loans>95% of shares | net worth falling |
| 2025-09 | 0 |  | loans>95% of shares |
| 2025-12 | 1 | net worth falling |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-03 [Payroc Partners with CINFED Credit Union in Ohio to Deliver Next-Generation Payments Solutions to Area Businesses - PR Newswire](https://news.google.com/rss/articles/CBMi_gFBVV95cUxNdXEwNGZqRE9WSURLRU1SSERmUVJwbU1PaExtdjJtbGNwLWxtN21kV200QlBmTm5rQk5NU0pkZkNoQktCNVZDcVgwaGpkWkhtTExPMFQyajItSjRuV29rcV9PTlVYWnlMXzVKNHBoZ2RqOXRXMGthNDZtOE1lRGxMSWF1U1lMLWdyaWdFVkMzZ2twd2hqb0YyYTNPRTFuSGlfVUxvM2M4WlJyQ2k3STRvU0FYWFJVOHd3eGxNejA0QlllRW5vOS15UDRaamJmVklMb2tjLW5EcWJPOFBTeFR2Zm9JOFVJV1BTU2dCc0Zxd2VOSkl6QzcyU3luY0x4UQ?oc=5) · PR Newswire
- 2024-06-25 [Cinfed, one of Cincinnati’s largest credit unions, opens eighth local branch - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZ1dHaVV4Tk03aDNMamdDeVlUV2ZYX29ibHp2YzJCamE3aG8zUXJDU3JQdWNmdEFGUnY0NVpVR1FNQzRBU05GR2hCVm9fbVM0ZllhLURqV05pcmJYQkExSUVMV01ZRm02cnE5YXlBTk54RVNxU0U4bDdIcjhQODVLX0F0WmFwZDJMdWtXVG14amxxemJUZ3haUTdqdTJIV1BwNzMzSmkwb3BnQQ?oc=5) · The Business Journals
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMiigFBVV95cUxOamFCQ2FkT1VtcFJlS2pTd3p6dGhjWlhZSXlPRjYzWFNPR0hHMWt3QnVIWlVRSlJreXI4V09zN2VvMkZRcEZYNk5Wei1mZXFoREVnY2RPMFVXSjJFYTl5VzJ4UmIwVTVvNFNPT2EwdWlKSUhwSWkzdkZmMng1emFPNHdzSFMyenBka2c?oc=5) · Newsweek Rankings
- 2026-08-02 [Financial tips to help families manage back-to-school costs - local12.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxOUG5icnZJSjhBZjNiQTNPSVVYX1d4TllkdlRwSkFXbklTN2dHc1VKUTNJZ1dFYmpLVFE3cjVJU1FnMm8tRGJMUExfd3NFRjZZekJFZVhiVTFDNkV4cUUtZXJ2VEVubG53bFZBb18xdlRJclB1emRXVWZFT0Z5VVVyVm9QWkV6alFaUk9vS0YxOFJLOFNFbktiSDNVa0dKVFZZSzBwb2VfaDR1cnRWY0VaaWVxbTNzUWVUSzgwcTZoWQ?oc=5) · local12.com
- 2024-06-26 ['Reach for the Stars' art wall brings students dreams to life - WLWT](https://news.google.com/rss/articles/CBMivgFBVV95cUxOT3RsMjFrSndkQVJDX2t2cGk0R0N6d3VXVGw3MUF5QlNCUmg4Tk9BMnk2Ql9IOHlBTVpIVGhTVnhWb2lzSGlBeG9PUDQ5b0dON2tFYWp6aGR1VkYySDA0ak9JaXZGemJkbEVUejU5eXF3NEdHVEQ4ajdwVXJsTVI5V0Q4Wjg2cmwtanVySEZpeldyajVuTHdORk00a1YzZlZic2xCb2VQMWFXN19TMHl5ek5BVFF3Qm9Uc0xsNEtR?oc=5) · WLWT
- 2021-09-08 [One of Cincinnati’s largest credit unions expands into another county - The Business Journals](https://news.google.com/rss/articles/CBMif0FVX3lxTE9zYkxkb2JMTUdFRF82NlVxMDNYTlNqeWkzODNiXy1MQnlnUzVCaXRmSW1NaUZkTzQtdXJPS0dWenFFbjBEc0ZWX1p3Z3BZQ3Y0RnpVcjFYZE5ZSG9jQjVhdFJVRl9NVXJLMTNhbGxDdEpQWmxUdmtTWlhhcW1oTlk?oc=5) · The Business Journals
- 2026-07-22 [Back-to-school expenses spur Local 12-Cinfed partnership to boost financial planning - local12.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxORVJ1R2hMZW44VFBfSU9xalpvclBKVXJVZ21BR09sRi1ZeXZHX0p4eWVWSWItd0hXUkJERlpmVEsxV1JGaWJWbm5TRTdlbmxidmdoRDl5NmZEeEJLbkZaVTJ6WUZHeUp6SHNqbGxqMDVMaGZMZ09iM1FtN0dONEhMSHFoVmpwaUtESmhMTThYeUxzdGxoZVF5SlBkNWNPQUIxZkcxa25fclR2WTRoanYwWWhEcmhxSjJuaXNrckUxSm0zYlNWRkJWcw?oc=5) · local12.com
- 2019-10-22 [Eight Accused Of Fraud, Money Laundering In Dearborn Co. - Eagle Country 99.3](https://news.google.com/rss/articles/CBMia0FVX3lxTFB3dXNLcHE4d05ySlJSRGFIMHJzVy1YeVB2dUxyS0QtekVnZ0ttaXphdVo1clNJOFExT1RUTnpzV09ONE1pSlBnYWt6ZEkwRkpHYk4zc1phNGRqRTdlTTV4UXJMN196Wlo0NXdF?oc=5) · Eagle Country 99.3

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21930 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/42.json (key "21930", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=21930
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide