Cincinnati, Ohio · Peer group 3
Local Union 392 Credit Union
Local Union 392 Credit Union holds $17.1M in assets across 2,720 members as of Q1 2026 — about $6K of assets per member, on a charter dating to 1982. Charter number 24373, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $17.1M |
|---|---|
| Total loans | $9.3M |
| Total shares (deposits) | $14.3M |
| Net worth | $2.7M |
| Members | 2,720 |
| Assets per member | $6K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 10.7% | |
|---|---|---|
| Loans | -11.5% | around the 14th percentile of its peer group |
| Deposits | 11.5% | higher than 94% of its peer group |
| Members | 1.8% | around the 82nd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 64.9% | around the 62nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 15.8% | around the 65th percentile of its peer group |
| Return on assets | 1.04% | around the 70th percentile of its peer group |
| Delinquency ratio | 2.26% | around the 87th percentile of its peer group |
| Cash / assets | 15.3% | around the 69th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Local Union 392 Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Ohio — the comparison set a peer ratio is measured against.
- Toledo Urban Credit Union
Toledo, OH
$17.0M · 3,456 members
- Holy Family Parma Credit Union
Parma, OH
$16.8M · 1,045 members
- Northwestern Credit Union
Bryan, OH
$16.8M · 1,822 members
- Ohio Teamsters Credit Union
INDEPENDENCE, OH
$16.7M · 2,517 members
- Gorman-Rupp & Associates Credit Union
Mansfield, OH
$16.7M · 1,414 members
- North Coast Credit Union
FAIRVIEW PARK, OH
$16.6M · 1,466 members
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