CINCINNATI HEALTHCARE ASSOCIATES
Charter #21157 · Cincinnati, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.22% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.07% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 73.36% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 36th percentile but its structural peers at the 10th — a 26-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CINCINNATI HEALTHCARE ASSOCIATES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.20M | 36th pct | 10th pct |
| Members | 3,161 | 79th pct | 72th pct |
| Net worth ratio | 14.35% | 55th pct | 69th pct |
| Return on average assets | 1.22% | 77th pct | 82th pct |
| Net interest margin | 5.07% | 93th pct | 97th pct |
| Cost of funds | 0.83% | 49th pct | 57th pct |
| Loan-to-share | 51.31% | 40th pct | 48th pct |
| Delinquency 60+ days | 0.73% | 57th pct | 51th pct |
| Net charge-off ratio | 0.48% | 71th pct | 69th pct |
| Loan growth YoY | 1.48% | 80th pct | 79th pct |
| Share growth YoY | 4.80% | 73th pct | 79th pct |
| Efficiency ratio | 73.36% | 34th pct | 23th pct |
structural peer set hash: 1f068089a5bddc1e4f977f3a87c80b49… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.