Local Union 392
Cincinnati, OH · Charter 24373 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 1 branch
Q2 2026
$17.5MAssets
$9.6MLoans
$14.7MShares
$2.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 1 of 26).
- Widest gap: nonperforming loans / loans trails 73% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 20 of 26).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.35%
Rank 6 of 26
Net Interest Margin
5.32%
Rank 1 of 26
Efficiency Ratio
70.97%
Rank 6 of 26
Equity / Assets
15.87%
Rank 6 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.41% | 0.79% | 1.34% | Beats 77% | 6 / 26 | |
| Return on Equity | 8.49% | 3.53% | 6.04% | 8.49% | Beats 73% | 7 / 26 | |
| Net Interest Margin | 5.32% | 3.25% | 4.11% | 4.64% | Beats 96% | 1 / 26 | |
| Efficiency Ratio | 70.97% | 71.52% | 75.99% | 84.12% | Beats 81% | 6 / 26 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.09% | 0.40% | 1.09% | 2.09% | Beats 27% | 20 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.87% | 10.31% | 12.73% | 15.29% | Beats 77% | 6 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.87% | 10.31% | 12.73% | 15.29% | Beats 77% | 6 / 26 | |
| Liquidity & Funding |
| Loans / Deposits | 65.46% | 51.92% | 65.22% | 76.21% | 58th pctl | 11 / 26 | |
| Loans / Assets | 54.77% | 44.32% | 54.77% | 68.75% | 50th pctl | 13 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |