Credit Union Safety Analysis
Is Heekin Can Employees Credit Union, Inc. Safe? Cincinnati, Ohio
Based on its Q2 2026 NCUA 5300 call report, Heekin Can Employees Credit Union, Inc. has a net worth ratio of 75.26%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.00%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Heekin Can Employees Credit Union, Inc.'s net worth ratio is 75.26%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 75.26%
- Delinquency ratio (60+ days) (Q2 2026): 3.00%
- Return on assets (Q2 2026): -8.61%
- Loan-to-share ratio (Q2 2026): 55.77%
Heekin Can Employees Credit Union, Inc. (NCUA charter 96821, established 1941) reported $279K in assets and 47 members for Q2 2026 from Cincinnati, Ohio. It ranks 190 of 191 credit unions in Ohio by total assets. Total assets fell 13.3% from $322K on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 75.62% for Q1 2026; 72.72% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 4.11% for Q1 2026; 18.95% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -8.37% for Q1 2026; -6.12% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 60.28% for Q1 2026; 75.30% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $17K
- Used vehicle loans: $13K
- Other secured non-real estate loans and lines of credit: $5K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $279K | 75.26% | 3.00% | -8.61% | 55.77% |
| March 31, 2026 | $286K | 75.62% | 4.11% | -8.37% | 60.28% |
| December 31, 2025 | $286K | 77.70% | 14.45% | -8.75% | 85.99% |
| September 30, 2025 | $299K | 76.48% | 18.55% | -7.62% | 89.81% |
| June 30, 2025 | $322K | 72.72% | 18.95% | -6.12% | 75.30% |
| March 31, 2025 | $320K | 74.78% | 21.62% | -6.58% | 86.32% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Heekin Can Employees Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 96821) · FFIEC NIC profile (RSSD 273091)
Frequently asked questions
Is Heekin Can Employees Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, Heekin Can Employees Credit Union, Inc.'s net worth ratio is 75.26%, above the 7% NCUA threshold for well capitalized.
Is Heekin Can Employees Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. Heekin Can Employees Credit Union, Inc. is a federally insured credit union (NCUA charter 96821): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Heekin Can Employees Credit Union, Inc.'s key safety ratios?
For Q2 2026, Heekin Can Employees Credit Union, Inc. reports net worth 75.26%, delinquency 3.00%, ROA -8.61%, loan-to-share 55.77%.
What happens to my money if Heekin Can Employees Credit Union, Inc. fails?
For Q2 2026, Heekin Can Employees Credit Union, Inc. held $64K in shares and deposits for 47 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.