LOCAL UNION 392
Charter #24373 · Cincinnati, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.38% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.26% sits at the 84th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 62nd percentile but its structural peers at the 34th — a 27-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LOCAL UNION 392 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.07M | 28th pct | 33th pct |
| Members | 2,720 | 68th pct | 57th pct |
| Net worth ratio | 15.85% | 65th pct | 62th pct |
| Return on average assets | 1.05% | 70th pct | 57th pct |
| Net interest margin | 5.38% | 96th pct | 87th pct |
| Cost of funds | 0.62% | 39th pct | 33th pct |
| Loan-to-share | 64.87% | 62th pct | 34th pct |
| Delinquency 60+ days | 2.26% | 87th pct | 84th pct |
| Net charge-off ratio | 0.22% | 58th pct | 57th pct |
| Loan growth YoY | -5.31% | 28th pct | 23th pct |
| Share growth YoY | 3.60% | 62th pct | 49th pct |
| Efficiency ratio | 73.32% | 34th pct | 51th pct |
structural peer set hash: 0256361f260e65d4a84434f898536266… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.