Side-by-side · Q2 2026 data
Local Union 392 Federal Credit Union vs St. James Parish 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 | St. James Parish Credit Union |
|---|---|---|
| TellerScore | 75 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 30 | 100 (stronger) |
| Earnings | 74 (stronger) | 72 |
| Funding & liquidity | 95 (stronger) | 68 |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 52nd | 89th |
| Total assets | $17.5M | $5.9M |
| Deposits / shares | $14.7M | $4.4M |
| Capital ratio | 15.87% | 21.83% (stronger) |
| Problem loans | 2.09% | 0.00% (stronger) |
| Net charge-offs | 0.38% (stronger) | 0.66% |
| Return on assets | 1.35% (stronger) | 1.29% |
| Loans ÷ deposits | 65.5% (stronger) | 92.4% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. James Parish Credit Union has the higher TellerScore (90 vs 75). On the 6 directional measures above (where higher or lower is clearly better), Local Union 392 Federal Credit Union leads on 3 and St. James Parish Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.