Heekin Can Employees Credit Union, Inc. Cincinnati, Ohio
Heekin Can Employees Credit Union, Inc. is a state-chartered credit union headquartered in Cincinnati, OH, established in 1941 (NCUA charter 96821), and it is regulated and insured by the NCUA. At Q2 2026 it reported 47 members and total assets of $279K (down 13.3% from Q2 2025), the 190th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 75.26% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 96821
- Headquarters
- Cincinnati, OH
- Established
- 1941
- Total assets, Q2 2026
- $279K
- Assets vs Q2 2025
- -13.3%
- Members, Q2 2026
- 47
- Net worth ratio, Q2 2026
- 75.26%
- Latest call report
- Q2 2026, NCUA 5300 · Heekin Can Employees Credit Union, Inc. call report
- Asset rank in state
- 190th of 191 in Ohio
- Routing number
- 242286815
- Branches
- 1
It has 19 fewer members than on June 30, 2025 (-28.8%). Its net worth ratio was up 2.54 percentage points from 72.72% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $17K of $36K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.00% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 75.26% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Ohio
Frequently asked about Heekin Can Employees Credit Union, Inc.
How big is Heekin Can Employees Credit Union, Inc.?
At Q2 2026 it reported total assets of $279K and 47 members.
Where is Heekin Can Employees Credit Union, Inc. headquartered?
It is headquartered in Cincinnati, OH, United States.
When was Heekin Can Employees Credit Union, Inc. founded?
It was established in 1941, per NCUA records.
Is Heekin Can Employees Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 96821): 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 Heekin Can Employees Credit Union, Inc.?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Heekin Can Employees Credit Union, Inc. well capitalized?
Its net worth ratio was 75.26% 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 Heekin Can Employees Credit Union, Inc.'s delinquency ratio?
Its delinquency ratio was 3.00% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Heekin Can Employees Credit Union, Inc.'s loan-to-share ratio?
Its loan-to-share ratio was 55.77% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cincinnati, OH 45244
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1941
- NCUA Charter #
- 96821
- RSSD ID
- 273091
- Members
- 47
- Potential members
- 108
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 75.26% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -8.61% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -11.45% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.79% | 3.93% | 45th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 319.08% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.02% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 3.00% | 0.86% | 17th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.81% | 4.70% | 14th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 55.77% | 58.92% | 45th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$279K total assets against $322K; $64K total shares and deposits against $86K; $36K total loans against $65K.
$210K net worth against $234K.
75.26% net worth ratio against 72.72%.
55.77% loan-to-share ratio against 75.30%.
3.00% delinquency ratio against 18.95%.
-8.61% return on assets against -6.12%; -11.45% return on equity against -8.41%.
3.79% net interest margin against 4.87%.
47 members against 66.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 75.26% | -8.61% | 3.00% | 55.77% |
| March 31, 2026 | 75.62% | -8.37% | 4.11% | 60.28% |
| December 31, 2025 | 77.70% | -8.75% | 14.45% | 85.99% |
| September 30, 2025 | 76.48% | -7.62% | 18.55% | 89.81% |
| June 30, 2025 | 72.72% | -6.12% | 18.95% | 75.30% |
| March 31, 2025 | 74.78% | -6.58% | 21.62% | 86.32% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.