CINFED
Charter #21930 · Cincinnati, OH · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.26% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.24% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 43rd — a 37-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 | CINFED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $856.94M | 79th pct | 43th pct |
| Members | 38,665 | 43th pct | 33th pct |
| Net worth ratio | 11.38% | 63th pct | 74th pct |
| Return on average assets | 0.63% | 52th pct | 64th pct |
| Net interest margin | 3.29% | 34th pct | 34th pct |
| Cost of funds | 2.26% | 90th pct | 84th pct |
| Loan-to-share | 92.81% | 86th pct | 70th pct |
| Delinquency 60+ days | 0.24% | 15th pct | 11th pct |
| Net charge-off ratio | 0.26% | 29th pct | 36th pct |
| Loan growth YoY | 2.41% | 66th pct | 62th pct |
| Share growth YoY | 4.23% | 53th pct | 61th pct |
| Efficiency ratio | 78.94% | 54th pct | 46th pct |
structural peer set hash: 234025a16a2f7553e5149ececdcb96ca… (reproducible)
Closest structural peers
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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.