CINCINNATI EMPLOYEES
Charter #65205 · Harrison, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.16% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.70% sits at the 85th percentile of structural peers — worth a closer look.
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 EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.23M | 70th pct | 59th pct |
| Members | 1,736 | 35th pct | 28th pct |
| Net worth ratio | 10.62% | 23th pct | 30th pct |
| Return on average assets | 0.20% | 26th pct | 26th pct |
| Net interest margin | 2.16% | 3th pct | 2th pct |
| Cost of funds | 1.70% | 82th pct | 85th pct |
| Loan-to-share | 55.57% | 47th pct | 48th pct |
| Delinquency 60+ days | 0.86% | 63th pct | 66th pct |
| Net charge-off ratio | 0.03% | 39th pct | 46th pct |
| Loan growth YoY | -0.52% | 66th pct | 70th pct |
| Share growth YoY | 1.32% | 38th pct | 31th pct |
| Efficiency ratio | 82.77% | 57th pct | 57th pct |
structural peer set hash: 91aba496ff6343420100e913135a93c6… (reproducible)
Closest structural peers
This is the free public view
Claim CINCINNATI EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.