Side-by-side · Q2 2026 data
Minerva Area Federal Credit Union vs Local Union 392 Federal Credit Union
Credit union
Minerva Area Federal Credit Union
Minerva, Ohio · Under $100 million in assets
Credit union
Local Union 392 Federal Credit Union
Cincinnati, Ohio · Under $100 million in assets
Metric by metric
| Measure | Minerva Area Federal Credit Union | Local Union 392 Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 75 |
| Capital cushion | 100 | 100 |
| Loan quality | 95 (stronger) | 30 |
| Earnings | 73 | 74 (stronger) |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 99 (stronger) | 86 |
| Peer percentile | 94th | 52nd |
| Total assets | $17.9M | $17.5M |
| Deposits / shares | $15.1M | $14.7M |
| Capital ratio | 15.08% | 15.87% (stronger) |
| Problem loans | 0.14% (stronger) | 2.09% |
| Net charge-offs | 2.54% | 0.38% (stronger) |
| Return on assets | 1.33% | 1.35% (stronger) |
| Loans ÷ deposits | 50.9% (stronger) | 65.5% |
| Uninsured deposits | 0.6% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Minerva Area Federal Credit Union has the higher TellerScore (93 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Minerva Area Federal Credit Union leads on 3 and Local Union 392 Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.