GREATER CINCINNATI SCHOOL
Charter #96722 · Cincinnati, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.99% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.31% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 124.90% sits at the 97th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 56th — a 22-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 | GREATER CINCINNATI SCHOOL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $135.33M | 23th pct | 34th pct |
| Members | 7,957 | 17th pct | 36th pct |
| Net worth ratio | 12.80% | 67th pct | 66th pct |
| Return on average assets | -0.99% | 1th pct | 3th pct |
| Net interest margin | 3.63% | 48th pct | 56th pct |
| Cost of funds | 0.91% | 33th pct | 31th pct |
| Loan-to-share | 63.90% | 34th pct | 56th pct |
| Delinquency 60+ days | 0.31% | 23th pct | 15th pct |
| Net charge-off ratio | 0.31% | 45th pct | 59th pct |
| Loan growth YoY | 10.47% | 98th pct | 97th pct |
| Share growth YoY | 1.24% | 19th pct | 41th pct |
| Efficiency ratio | 124.90% | 100th pct | 97th pct |
structural peer set hash: be85baf24fb7bbe39f2be105894415ea… (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.