# CINCINNATI OHIO POLICE
CINCINNATI, OH · NCUA charter 389 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cincinnati-ohio-police-389

Who the members are: federal charter, government (single sponsor), organized 1935. 11,186 members of 200,000 potential (5.6% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 82.

**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 | $186.0M |
| Members | 11,186 (5.4% YoY) |
| Full-time staff | 30 |
| Net worth | $21.1M |
| Net worth ratio | 11.3% (p45 of band) |
| ROA (annualized) | 0.79% (p56 of band) |
| Total delinquency | 1.48% (p86 of band) |
| Net charge-offs (annualized) | 0.41% (p58 of band) |
| Loans / shares | 66% (p42 of band) |
| Cash / assets | 16.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.23% (p25 of band) |
| Operating expense / assets | 3.26% (p35 of band) |
| Vehicles % of loans | 31% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 3% |
| Third-party paper % of net worth | 18% (p46 of band) |
| Vehicle delinquency | 0.78% (p61 of band) |
| Vehicle NCO | 0.89% (p69 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 95% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 15% |
| Average share balance | $6,583 |
| Participations bought / yr | $7.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $25.7M |
| Loans outstanding per 100 members | 82% |
| Loans granted per 100 members, annualized | 33% |
| Average loan balance | $11,715 |
| Loans granted, annualized | $32.0M |

## Participation posture (from the same filings)

Bought $7.2M and sold $0 in the latest annualized quarter; $25.7M outstanding purchased (122.0% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 7.8% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising, members leaving | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 0 |  | delinquency rising, members leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | net worth falling |  |
| 2020-03 | 0 |  | net worth falling |
| 2020-06 | 1 | delinquency rising |  |
| 2020-09 | 0 |  | delinquency rising |
| 2020-12 | 1 | delinquency rising |  |
| 2021-03 | 2 | net worth falling, margin squeeze | delinquency rising |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 0 |  | net worth falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2025-06 | 0 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 1 | delinquency 2x band | delinquency rising, net worth falling |

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

- 2021-04-15 [Pair of Cincinnati credit unions name new CEOs - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxNVDVJWEJKcWhncGNIVnRTZ1FCajQ2X1JTTzZocjFpd2RaZVpsVlVsTzhYUjhfVnk5NUdjOTk0NVpURHZNTnVfMFgxY3ZKaVdLTDJwTnoyUWNaYWZfQmtkTUFSQloyRG9idjZ5N2lZOUxiNVQ1cGI3Y2RjeUVDRzNKSXB2TEdITC1SaFZzUFJUUUUxZklIZVRtWXk4Zw?oc=5) · American Banker
- 2018-08-27 [Cincinnati police's first female African-American captain dies of cancer - WLWT](https://news.google.com/rss/articles/CBMirgFBVV95cUxNTnhZOHdLczdKRDFOSTBKLUhNN2V1aWE4ejhsYnhIRTZLXzlLYlFIVVppRzBhNEkyZEgzSnNNaVZ2LUlSVElSdDJtSnY5UHdEbTdyeGl1YjBaOHQ5alNIdC1Pc1dSc2FST3pFMGtrcl96d0JFSUxWeEhPLS1wR1hwWW1KZXJmald1cEF4a1dUUG4xTXN4MjdpSHI0ZDZkZlFPN2xHRFNlV1ZBeUYybkE?oc=5) · WLWT
- 2018-08-31 [An elegant trailblazer: Cincinnati police Capt. Kimberly Williams laid to rest Saturday - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNVFp3OHpiQXI5RGMzMzR1c2xWQW8zdmhna2dnV0hHc0RPcDk0X21NeG1YckE1Si1VYkpNYW5lTUJfTUZ5bzRfT0dSRFJsTDM2VWlDamNJb1B6UFRmVzlxZnMyWDVqeGpxU25xNXA2MDZHUmU1YWFlcm5mMkFEY2E4MkpZa3JabDZWcWpWaWFVakFDaE52R3Exejl0VE80OFlxaGhOUkItYmMtcmtQcDFxbmdkM1NJQ1FDMmlVZzJ6eDlsclBfRUZZeWMwV2gxZnplZFVTS0JySmlmWWJVVkRv?oc=5) · Cincinnati Enquirer
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=389 (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/5.json (key "389", 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=389
- 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