Local Union 392 Federal Credit Union is a federal credit union headquartered in Cincinnati, Ohio, in business for about 44 years. At the end of Q2 2026 it reported $17.5M in total assets and $14.7M in member shares and deposits, with 1 office.
Local Union 392 Federal Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 52% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 77th. Capital cushion contributes the most (100/100, 15.87%); loan quality contributes the least (30/100, 2.09%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 11 points (86 → 75), mostly because the loan quality component weakened by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 85 |
| Q4 2024 | 86 |
| Q1 2025 | 86 |
| Q2 2025 | 86 |
| Q3 2025 | 91 |
| Q4 2025 | 78 |
| Q1 2026 | 71 |
| Q2 2026 | 75 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.65% |
| Q3 2024 | 15.74% |
| Q4 2024 | 16.22% |
| Q1 2025 | 16.36% |
| Q2 2025 | 15.88% |
| Q3 2025 | 16.08% |
| Q4 2025 | 16.00% |
| Q1 2026 | 15.85% |
| Q2 2026 | 15.87% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.66% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.45% |
| Q4 2025 | 1.57% |
| Q1 2026 | 2.26% |
| Q2 2026 | 2.09% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.29% |
| Q3 2024 | 1.48% |
| Q4 2024 | 1.55% |
| Q1 2025 | 1.33% |
| Q2 2025 | 1.48% |
| Q3 2025 | 1.54% |
| Q4 2025 | 1.18% |
| Q1 2026 | 1.04% |
| Q2 2026 | 1.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $17.5M | 15.87% | 2.09% | 1.35% | 65.5% |
| Q1 2026 | 71 | $17.1M | 15.85% | 2.26% | 1.04% | 64.9% |
| Q4 2025 | 78 | $16.6M | 16.00% | 1.57% | 1.18% | 69.0% |
| Q3 2025 | 91 | $16.5M | 16.08% | 0.45% | 1.54% | 71.0% |
| Q2 2025 | 86 | $16.3M | 15.88% | 0.87% | 1.48% | 73.3% |
| Q1 2025 | 86 | $15.4M | 16.36% | 0.63% | 1.33% | 81.8% |
| Q4 2024 | 86 | $15.2M | 16.22% | 0.72% | 1.55% | 86.4% |
| Q3 2024 | 85 | $15.3M | 15.74% | 0.66% | 1.48% | 88.9% |
| Q2 2024 | 81 | $14.9M | 15.65% | 0.93% | 1.29% | 92.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bse Credit UnionCredit union Cleveland, OH | 72 out of 100, Strong | $17.3M | 9.9% | 0.07% | vs |
| Minerva Area Federal Credit UnionCredit union Minerva, OH | 93 out of 100, Very strong | $17.9M | 15.1% | 0.14% | vs |
| Ohio Teamsters Credit UnionCredit union Independence, OH | 84 out of 100, Strong | $17.1M | 26.8% | 0.52% | vs |
| Toledo Urban Federal Credit UnionCredit union Toledo, OH | 42 out of 100, Below average | $18.0M | 9.8% | 1.78% | vs |
| Holy Family Parma Federal Credit UnionCredit union Parma, OH | 60 out of 100, Moderate | $16.8M | 19.5% | 5.49% | vs |
| North Coast Credit UnionCredit union Fairview Park, OH | 62 out of 100, Moderate | $16.7M | 41.5% | 2.45% | vs |
Deposit insurance
Is my money safe at Local Union 392 Federal Credit Union?
Yes. Local Union 392 Federal Credit Union is a federally insured credit union (NCUA charter #24373). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 15.87%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Local Union 392 Federal Credit Union lists 1 office in 1 city. Most locations:
- Cincinnati, OH (1)
Identity & history
Profile
- Legal name
- Local Union 392 Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24373
- RSSD ID
- 769491
- Primary regulator
- NCUA
- Established
- 1982
- Headquarters
- 1228 Central Parkway, Suite 302, Cincinnati, OH 45202
- Employees
- 3
Quick answers
Local Union 392 Federal Credit Union: common questions
Is Local Union 392 Federal Credit Union NCUA insured?
Yes. Local Union 392 Federal Credit Union is a federally insured credit union (NCUA charter #24373). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Local Union 392 Federal Credit Union's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Local Union 392 Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Cincinnati
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH | 92 out of 100, Very strong | $30.8M | 18.2% | 0.82% | vs |
| Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH | 91 out of 100, Very strong | $46.8M | 20.3% | 0.52% | vs |
| Northern Kentucky Federal Credit UnionCredit union Highland Height, KY | 91 out of 100, Very strong | $43.1M | 14.0% | 0.29% | vs |
| Deca Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $7.6M | 18.9% | 0.45% | vs |
| St. James Parish Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $5.9M | 21.8% | 0.00% | vs |