Cinfed Federal Credit Union Cincinnati, Ohio
Cinfed Federal Credit Union is a federal credit union headquartered in Cincinnati, OH, established in 1975 (NCUA charter 21930), and it is regulated and insured by the NCUA. At Q2 2026 it reported 38,852 members and total assets of $863.2M (up 7.6% from Q2 2025), the 10th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 11.56% at Q2 2026, in the well capitalized band.
Also written as Cinfed FCU
BankRegReports is independent of Cinfed Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 21930
- Headquarters
- Cincinnati, OH
- Established
- 1975
- Total assets, Q2 2026
- $863.2M
- Assets vs Q2 2025
- +7.6%
- Members, Q2 2026
- 38,852
- Net worth ratio, Q2 2026
- 11.56%
- Latest call report
- Q2 2026, NCUA 5300 · Cinfed Federal Credit Union call report
- Asset rank in state
- 10th of 191 in Ohio
- Routing number
- 242076656
- Branches
- 7
It has 728 more members than on June 30, 2025 (+1.9%). Its net worth ratio was down 0.02 percentage points from 11.58% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $347.8M of $719.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.30% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.56% net worth ratio is above that band's 11.43% median.
Credit unions merged into Cinfed Federal Credit Union
Bardes Employees Federal Credit Union (2021) · Reading Federal Credit Union (2018)
Frequently asked about Cinfed Federal Credit Union
How big is Cinfed Federal Credit Union?
At Q2 2026 it reported total assets of $863.2M and 38,852 members.
Where is Cinfed Federal Credit Union headquartered?
It is headquartered in Cincinnati, OH, United States.
When was Cinfed Federal Credit Union founded?
It was established in 1975, per NCUA records.
Is Cinfed Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 21930): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Cinfed Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Cinfed Federal Credit Union well capitalized?
Its net worth ratio was 11.56% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Cinfed Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.30% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Cinfed Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 99.48% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cincinnati, OH 45202
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1975
- NCUA Charter #
- 21930
- RSSD ID
- 871787
- Members
- 38,852
- Potential members
- 2,304,804
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.56% | 11.43% | 52nd above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.05% | 0.81% | 64th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.10% | 7.02% | 68th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.42% | 3.70% | 33rd below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 70.25% | 76.55% | 71st above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.96% | 1.24% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.30% | 0.68% | 82nd top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.38% | 4.92% | 75th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 99.48% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$863.2M total assets against $802.0M; $723.6M total shares and deposits against $670.6M; $719.8M total loans against $641.2M.
$99.8M net worth against $92.9M.
11.56% net worth ratio against 11.58%.
99.48% loan-to-share ratio against 95.62%.
0.30% delinquency ratio against 0.31%.
1.05% return on assets against 1.76%; 9.10% return on equity against 15.20%.
3.42% net interest margin against 3.33%.
38,852 members against 38,124.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.56% | 1.05% | 0.30% | 99.48% |
| March 31, 2026 | 11.38% | 0.62% | 0.24% | 92.81% |
| December 31, 2025 | 11.45% | 0.96% | 0.30% | 93.43% |
| September 30, 2025 | 11.49% | 0.96% | 0.32% | 94.46% |
| June 30, 2025 | 11.58% | 1.76% | 0.31% | 95.62% |
| March 31, 2025 | 11.55% | 0.45% | 0.28% | 93.59% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.