Federal credit union · CINCINNATI, Ohio · NCUA charter #96821
Heekin Can Empl
Health score 45/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 45
- Health / 100
- $286K
- Total assets
- 56
- Members
- 77.7%
- Net-worth ratio
Heekin Can Empl - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #96821: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Heekin Can Empl - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 45/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
77.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 77.70% | 30% |
| Delinquency Rate | 14.45% | 25% |
| Return on Assets | -4.95% | 15% |
| Member Growth | -32.53% | 15% |
| Loan-to-Share Ratio | 85.99% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $286K | 56 |
| 2024Q4 | $317K | 83 |
| 2023Q4 | $420K | 110 |
Credit Union Details
- Charter Number
- 96821
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Ohio
- City
- CINCINNATI
- Data Quarter
- 2025Q4
What This Data Says About Heekin Can Empl
Headquartered in CINCINNATI, Ohio, Heekin Can Empl is a federal credit union with 56 members, $286K in total assets, and $52K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 45/100 (Below Average), driven in part by a net worth ratio of 77.70% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #96821 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 14.45% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Meanwhile a 85.99% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -4.95% on net income of $-14149 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -32.53%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Heekin Can Empl financially healthy?
Heekin Can Empl scores 45/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 77.70% net worth ratio and a 14.45% delinquency rate.
How does Heekin Can Empl compare to other credit unions?
PlainCU's health composite puts Heekin Can Empl at 45/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Heekin Can Empl?
Membership eligibility for Heekin Can Empl depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Heekin Can Empl directly for current membership requirements and application steps.
Is my money safe at Heekin Can Empl?
Federal credit unions like Heekin Can Empl are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Heekin Can Empl's net worth ratio of 77.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Heekin Can Empl offer compared to banks?
Credit unions like Heekin Can Empl are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Heekin Can Empl directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.