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
- HEALTH 85/100
- NW 15.8%
- DELQ 1.57%
- ROA 1.42%
- ASSETS $16.6M
- MEM 2,722
- RANK #1,920/4,374
- PHOTO PATRIOT
- BOOK 24373
Call Report peers
Local Union 392 in the assets neighbourhood
Local Union 392's $16.6M assets sit next to PATRIOT ($16.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - 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: 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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Local Union 392
Local Union 392: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $16.6M (2025Q4) to $17.1M (2026Q1).
- Net-worth ratio shifted -0.15 pp (16.00% → 15.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Local Union 392, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,920 of 4,374; by total assets it ranks #3,259 of 4,374 nationally (same basis as /rankings/largest); and #148 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.85% 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 15.85% 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.
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.