Federal credit union · Cincinnati, Ohio · NCUA charter #24373
Local Union 392
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $16.6M
- Total assets
- 2,722
- Members
- 15.6%
- Net-worth ratio
Local Union 392 - Share Insurance Coverage
Charter #24373's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Local Union 392 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)63
- Earnings (ROA)100
- Member growth65
- Liquidity (loan-to-share)99
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
15.64% 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 | 15.64% | 30% |
| Delinquency Rate | 1.57% | 25% |
| Return on Assets | 1.42% | 15% |
| Member Growth | 0.63% | 15% |
| Loan-to-Share Ratio | 69.02% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Local Union 392
Local Union 392 is a federal credit union headquartered in Cincinnati, Ohio, serving 2,722 members with $16.6M in total assets and $9.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 85/100 (Excellent), anchored by a net worth ratio of 15.64% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #24373 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.57% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 69.02% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.42% on net income of $236K 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 0.63%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Association/Group). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 Local Union 392 financially healthy?
Local Union 392 has a financial health score of 85/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.64% and delinquency rate of 1.57%.
How does Local Union 392 compare to other credit unions?
85/100 is Local Union 392's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Local Union 392 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. Local Union 392's net worth ratio of 15.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Local Union 392 offer compared to banks?
Credit unions like Local Union 392 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 Local Union 392 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.