TellerScore

Cinfed Federal Credit Union is a federal credit union headquartered in Cincinnati, Ohio, in business for about 51 years. At the end of Q2 2026 it reported $863.2M in total assets and $723.6M in member shares and deposits, with 7 offices across 2 states.

Cinfed Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 88th. Problem-loan coverage contributes the most (96/100, 2.2%); earnings contributes the least (53/100, 0.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.56%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.30%
Earnings53/100
Return on assets (annualized): 0.84%
Funding & liquidity61/100
Loans ÷ shares: 99.5% · 0.4% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.23%

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

From Q2 2025 to Q2 2026, the score fell 2 points (74 → 72), mostly because the earnings component weakened by 11 points.

TellerScore
707375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202475
Q4 202474
Q1 202570
Q2 202574
Q3 202573
Q4 202573
Q1 202671
Q2 202672
Net worth ratio
7.00%9.46%11.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.62%
Q3 202411.92%
Q4 202411.81%
Q1 202511.55%
Q2 202511.58%
Q3 202511.49%
Q4 202511.45%
Q1 202611.38%
Q2 202611.56%
Delinquent loans (60+ days)
0.24%0.32%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.40%
Q4 20240.39%
Q1 20250.28%
Q2 20250.31%
Q3 20250.32%
Q4 20250.30%
Q1 20260.24%
Q2 20260.30%
Return on assets
0.45%0.86%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.28%
Q3 20241.21%
Q4 20241.09%
Q1 20250.45%
Q2 20251.10%
Q3 20251.03%
Q4 20251.00%
Q1 20260.62%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$863.2M11.56%0.30%0.84%99.5%
Q1 202671$856.9M11.38%0.24%0.62%92.8%
Q4 202573$840.1M11.45%0.30%1.00%93.4%
Q3 202573$825.5M11.49%0.32%1.03%94.5%
Q2 202574$802.0M11.58%0.31%1.10%95.6%
Q1 202570$773.1M11.55%0.28%0.45%93.6%
Q4 202474$748.8M11.81%0.39%1.09%94.7%
Q3 202475$735.0M11.92%0.40%1.21%94.2%
Q2 202475$737.0M11.62%0.40%1.28%91.9%

1,341 peers · $100 million – $1 billion

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 ratio11.56%
52nd
Problem loans0.30%
82nd
Net charge-offs0.21%
69th
Return on assets0.84%
57th
Loans to deposits99.5%
3rd
Uninsured deposits0.4%
96th
Loan-loss reserves0.00%
50th
Texas ratio2.2%
73rd

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InstitutionScoreAssetsCapitalProblem loansCompare
Atomic Credit UnionCredit union Piketon, OH64 out of 100, Moderate$855.4M8.6%0.24%vs
Day Air Credit UnionCredit union Kettering, OH82 out of 100, Strong$908.8M14.6%0.96%vs
Dover-Phila Federal Credit UnionCredit union Dover, OH83 out of 100, Strong$812.6M13.3%0.91%vs
Pathways Financial Credit UnionCredit union Columbus, OH67 out of 100, Moderate$771.9M10.8%1.08%vs
Bmi Federal Credit UnionCredit union Dublin, OH68 out of 100, Moderate$732.3M10.4%0.46%vs
Sharefax Credit UnionCredit union Cincinnati, OH59 out of 100, Moderate$720.8M9.8%1.11%vs

Deposit insurance

Is my money safe at Cinfed Federal Credit Union?

Yes. Cinfed Federal Credit Union is a federally insured credit union (NCUA charter #21930). 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 0.4% of shares and deposits ($3.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.56%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Cinfed Federal Credit Union lists 7 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cinfed Federal Credit Union reported 853 home-loan applications under HMDA (LEI 549300YJQ7L8XG0WT572): 502 originated ($131,950,000 total), 89 denied, and 244 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Cinfed Federal Credit Union
Type
Federal credit union
NCUA charter #
21930
RSSD ID
871787
Primary regulator
NCUA
Established
1975
Headquarters
4801 Kennedy Avenue, Cincinnati, OH 45209
Employees
148

Quick answers

Cinfed Federal Credit Union: common questions

Is Cinfed Federal Credit Union NCUA insured?

Yes. Cinfed Federal Credit Union is a federally insured credit union (NCUA charter #21930). 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 Cinfed Federal Credit Union's TellerScore?

72 out of 100 (Strong), 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 Cinfed Federal Credit Union have?

7 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Cincinnati

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH92 out of 100, Very strong$30.8M18.2%0.82%vs
Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH91 out of 100, Very strong$46.8M20.3%0.52%vs
Northern Kentucky Federal Credit UnionCredit union Highland Height, KY91 out of 100, Very strong$43.1M14.0%0.29%vs
Deca Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$7.6M18.9%0.45%vs
St. James Parish Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$5.9M21.8%0.00%vs