Credit Union Safety Analysis
Is Local Union 392 Federal Credit Union Safe? Cincinnati, Ohio
Based on its Q2 2026 NCUA 5300 call report, Local Union 392 Federal Credit Union has a net worth ratio of 15.87%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.09%, 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, Local Union 392 Federal Credit Union's net worth ratio is 15.87%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.87%
- Delinquency ratio (60+ days) (Q2 2026): 2.09%
- Return on assets (Q2 2026): 1.69%
- Loan-to-share ratio (Q2 2026): 65.46%
Local Union 392 Federal Credit Union (NCUA charter 24373, established 1982) reported $17.5M in assets and 2,819 members for Q2 2026 from Cincinnati, Ohio. It ranks 146 of 191 credit unions in Ohio by total assets. Total assets grew 7.3% from $16.3M on June 30, 2025. It has 83 more members than on June 30, 2025 (+3.0%). Its net worth ratio was down 0.01 percentage points from 15.88% on June 30, 2025. Used vehicle loans are its largest loan category, $5.4M of $9.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.09% 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: 15.85% for Q1 2026; 15.88% 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: 2.26% for Q1 2026; 0.87% 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: 1.04% for Q1 2026; 1.71% 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: 64.87% for Q1 2026; 73.31% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $5.4M
- Other secured non-real estate loans and lines of credit: $1.7M
- Other unsecured loans and lines of credit: $1.3M
- New vehicle loans: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $17.5M | 15.87% | 2.09% | 1.69% | 65.46% |
| March 31, 2026 | $17.1M | 15.85% | 2.26% | 1.04% | 64.87% |
| December 31, 2025 | $16.6M | 16.00% | 1.57% | 0.11% | 69.02% |
| September 30, 2025 | $16.5M | 16.08% | 0.45% | 1.70% | 70.98% |
| June 30, 2025 | $16.3M | 15.88% | 0.87% | 1.71% | 73.31% |
| March 31, 2025 | $15.4M | 16.36% | 0.63% | 1.33% | 81.76% |
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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.
Local Union 392 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24373) · FFIEC NIC profile (RSSD 769491)
Frequently asked questions
Is Local Union 392 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Local Union 392 Federal Credit Union's net worth ratio is 15.87%, above the 7% NCUA threshold for well capitalized.
Is Local Union 392 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Local Union 392 Federal Credit Union is a federally insured credit union (NCUA charter 24373): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Local Union 392 Federal Credit Union's key safety ratios?
For Q2 2026, Local Union 392 Federal Credit Union reports net worth 15.87%, delinquency 2.09%, ROA 1.69%, loan-to-share 65.46%.
What happens to my money if Local Union 392 Federal Credit Union fails?
For Q2 2026, Local Union 392 Federal Credit Union held $14.7M in shares and deposits for 2,819 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.