TellerScore

Cincinnati Employees Credit Union (NCUA charter #65205) is based in Harrison, Ohio. Its Q2 2026 call report shows $35.5M in total assets and $31.7M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Cincinnati Employees Credit Union scores 50/100, which we describe as below average. That is higher than only 9% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 181st. Its strongest component is funding & liquidity (100/100; 52% loans-to-deposits, 8% uninsured), and its lowest is loan quality (23/100; 2.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.31%
Loan quality23/100
Loans 60+ days delinquent ÷ total loans: 2.30%
Earnings29/100
Return on assets (annualized): 0.23%
Funding & liquidity100/100
Loans ÷ shares: 51.9% · 8.1% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.33%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (49 → 50).

TellerScore
495867Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202466
Q4 202465
Q1 202557
Q2 202549
Q3 202558
Q4 202562
Q1 202664
Q2 202650
Net worth ratio
7.00%9.06%11.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.84%
Q3 202410.97%
Q4 202411.12%
Q1 202510.73%
Q2 202510.86%
Q3 202510.71%
Q4 202510.95%
Q1 202610.62%
Q2 202610.31%
Delinquent loans (60+ days)
0.70%1.59%2.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.70%
Q3 20240.74%
Q4 20240.89%
Q1 20251.10%
Q2 20252.49%
Q3 20251.57%
Q4 20251.23%
Q1 20260.86%
Q2 20262.30%
Return on assets
-0.64%-0.19%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.16%
Q4 20240.08%
Q1 2025-0.64%
Q2 20250.07%
Q3 20250.16%
Q4 20250.13%
Q1 20260.20%
Q2 20260.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$35.5M10.31%2.30%0.23%51.9%
Q1 202664$34.2M10.62%0.86%0.20%55.6%
Q4 202562$33.1M10.95%1.23%0.13%57.5%
Q3 202558$33.8M10.71%1.57%0.16%56.6%
Q2 202549$33.0M10.86%2.49%0.07%56.5%
Q1 202557$33.4M10.73%1.10%-0.64%56.0%
Q4 202465$32.2M11.12%0.89%0.08%59.6%
Q3 202466$32.7M10.97%0.74%0.16%59.2%
Q2 202467$33.2M10.84%0.70%0.27%60.6%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.31%
19th
Problem loans2.30%
17th
Net charge-offs0.12%
55th
Return on assets0.23%
29th
Loans to deposits51.9%
61st
Uninsured deposits8.1%
10th
Loan-loss reserves0.00%
37th
Texas ratio10.3%
13th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Wayne Community Federal Credit UnionCredit union Rittman, OH68 out of 100, Moderate$33.6M10.7%1.01%vs
Softite Community Federal Credit UnionCredit union Martins Ferry, OH73 out of 100, Strong$37.6M15.7%2.91%vs
Chivaho Federal Credit UnionCredit union Chillicothe, OH84 out of 100, Strong$37.7M13.9%0.27%vs
Allwealth Federal Credit UnionCredit union Hamilton, OH72 out of 100, Strong$33.2M12.3%1.63%vs
Brewster Federal Credit UnionCredit union Brewster, OH95 out of 100, Very strong$32.9M18.4%0.56%vs
Emerald Credit Union, Inc.Credit union Garfield Hts, OH45 out of 100, Below average$32.7M8.9%1.66%vs

Deposit insurance

Is my money safe at Cincinnati Employees Credit Union?

Yes. Cincinnati Employees Credit Union is a federally insured credit union (NCUA charter #65205). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.1% of shares and deposits ($2.6M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.31%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Cincinnati Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Cincinnati Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65205
RSSD ID
194794
Primary regulator
State + NCUA
Established
1979
Headquarters
1003 Harrison Ave., Suite 200, Harrison, OH 45030
Employees
7

Quick answers

Cincinnati Employees Credit Union: common questions

Is Cincinnati Employees Credit Union NCUA insured?

Yes. Cincinnati Employees Credit Union is a federally insured credit union (NCUA charter #65205). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Cincinnati Employees Credit Union's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Cincinnati Employees Credit Union have?

1 office as of the latest NCUA data.