Federal credit union · Cincinnati, Ohio · NCUA charter #24373
Local Union 392
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $16.6M
- Total assets
- 2,722
- Members
- 15.8%
- Net-worth ratio
Local Union 392 scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.6M; members 2,722; net-worth ratio 15.85%; health rank #1,920 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,920 of 4,374 health · 2025Q4Local Union 392 · health 85/100 · $16.6M · 2025Q4
Call Report peers
Local Union 392 in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Local Union 392 vs every NCUA-scored credit union
Local Union 392 sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Local Union 392: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +9.22 pp (69.02% vs 59.80%).
- Delinquency Rate trails the peer set - 1.57% here, 1.15% peer average (+0.42 pp).
Local Union 392: in-state Call Report ranks
- In Ohio, health place is #85 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #148 of 196.
- Ohio membership ordinal: #134 of 196.
- One place up in Ohio, Postal Family Credit Union, Inc. (#84) ties at 85/100; one place down, DOVER-PHILA (#86) ties at 85/100.
Quarter path for Local Union 392
Local Union 392: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $16.6M (2025Q4) to $17.1M (2026Q1).
- Net-worth ratio shifted -0.15 pp (16.00% → 15.85%).
15.85% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Local Union 392 gives up 15 points in total. Delinquency Rate costs the most, 9.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.7 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 14.5 pts
Local Union 392 health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.85% | +0.99 pp |
| Delinquency Rate | 1.57% | +0.42 pp |
| Return on Assets | 1.42% | +0.72 pp |
| Member Growth | 0.63% | - |
| Loan-to-Share Ratio | 69.02% | +9.22 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Local Union 392
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.1M | - |
| 2025Q4 | $16.6M | 2,722 |
| 2024Q4 | $15.2M | 2,705 |
| 2023Q4 | $15.4M | 2,694 |
Credit Union Details
- Charter Number
- 24373
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Cincinnati
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Local Union 392 runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Cincinnati, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Other-state peers near Local Union 392
Using this data
- Local Union 392 ranks #1,920 of 4,374 nationally on financial health and #85 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Holy Family Parma is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Holy Family Parma
Frequently Asked Questions
Is Local Union 392 financially healthy?
Local Union 392 has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,920 of 4,374 nationally on health and #85 of 196 in Ohio. Its net worth ratio is 15.85% and its delinquency rate 1.57%.
How does Local Union 392 compare to other credit unions?
Local Union 392 scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (69.02% vs 59.80%). Its widest shortfall is delinquency rate (1.57% vs 1.15%).
How can I join Local Union 392?
Local Union 392 serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Local Union 392 directly for the current list of qualifying groups.
Is my money safe at Local Union 392?
Local Union 392 is a federal credit union; its shares are federally 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. Local Union 392's net worth ratio of 15.85% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.