Saint James Parish Credit Union, Inc. Cincinnati, Ohio
Saint James Parish Credit Union, Inc. is a state-chartered credit union headquartered in Cincinnati, OH, established in 1939 (NCUA charter 62624), and it is regulated and insured by the NCUA. At Q2 2026 it reported 795 members and total assets of $5.9M (up 4.5% from Q2 2025), the 175th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 21.83% 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
- 62624
- Headquarters
- Cincinnati, OH
- Established
- 1939
- Total assets, Q2 2026
- $5.9M
- Assets vs Q2 2025
- +4.5%
- Members, Q2 2026
- 795
- Net worth ratio, Q2 2026
- 21.83%
- Latest call report
- Q2 2026, NCUA 5300 · Saint James Parish Credit Union, Inc. call report
- Asset rank in state
- 175th of 191 in Ohio
- Routing number
- 242077396
- Branches
- 1
It has 8 more members than on June 30, 2025 (+1.0%). Its net worth ratio was down 0.65 percentage points from 22.48% on June 30, 2025. Used vehicle loans are its largest loan category, $1.4M of $4.1M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Ohio
Frequently asked about Saint James Parish Credit Union, Inc.
How big is Saint James Parish Credit Union, Inc.?
At Q2 2026 it reported total assets of $5.9M and 795 members.
Where is Saint James Parish Credit Union, Inc. headquartered?
It is headquartered in Cincinnati, OH, United States.
When was Saint James Parish Credit Union, Inc. founded?
It was established in 1939, per NCUA records.
Is Saint James Parish Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62624): 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 Saint James Parish 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 Saint James Parish Credit Union, Inc. well capitalized?
Its net worth ratio was 21.83% 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 Saint James Parish Credit Union, Inc.'s loan-to-share ratio?
Its loan-to-share ratio was 92.45% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cincinnati, OH 45247
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 62624
- RSSD ID
- 914590
- Members
- 795
- Potential members
- 1,705
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 6 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 21.83% | 14.31% | 81st top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.24% | 0.72% | 72nd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 5.68% | 4.74% | 56th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.78% | 3.93% | 81st top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 72.65% | 79.83% | 65th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.26% | 0.78% | 24th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.04% | 4.70% | 89th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 92.45% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.9M total assets against $5.6M; $4.4M total shares and deposits against $4.4M; $4.1M total loans against $3.2M.
$1.3M net worth against $1.3M.
21.83% net worth ratio against 22.48%.
92.45% loan-to-share ratio against 73.35%.
1.24% return on assets against 4.19%; 5.68% return on equity against 18.65%.
4.78% net interest margin against 4.81%.
795 members against 787.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 21.83% | 1.24% | — | 92.45% |
| March 31, 2026 | 22.26% | 1.39% | 0.43% | 87.84% |
| December 31, 2025 | 20.94% | -2.91% | 0.46% | 85.00% |
| September 30, 2025 | 22.42% | -0.97% | — | 74.26% |
| June 30, 2025 | 22.48% | 4.19% | — | 73.35% |
| March 31, 2025 | 21.71% | 2.72% | — | 71.90% |
Scroll sideways to see every column.
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.