Side-by-side · Q2 2026 data
Local Union 392 Federal Credit Union vs Deca Credit Union
Credit union
Local Union 392 Federal Credit Union
Cincinnati, Ohio · Under $100 million in assets
Metric by metric
| Measure | Local Union 392 Federal Credit Union | Deca Credit Union |
|---|---|---|
| TellerScore | 75 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 30 | 85 (stronger) |
| Earnings | 74 | 89 (stronger) |
| Funding & liquidity | 95 (stronger) | 75 |
| Problem-loan coverage | 86 | 97 (stronger) |
| Peer percentile | 52nd | 89th |
| Total assets | $17.5M | $7.6M |
| Deposits / shares | $14.7M | $6.1M |
| Capital ratio | 15.87% | 18.92% (stronger) |
| Problem loans | 2.09% | 0.45% (stronger) |
| Net charge-offs | 0.38% | -0.01% (stronger) |
| Return on assets | 1.35% | 1.74% (stronger) |
| Loans ÷ deposits | 65.5% (stronger) | 84.8% |
| Uninsured deposits | 0.0% (stronger) | 0.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Deca Credit Union has the higher TellerScore (90 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Local Union 392 Federal Credit Union leads on 2 and Deca Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.