Credit union · NCUA insured
Local 392 Federal Credit Union
A $17.1M credit union headquartered in Cincinnati, OH, with 2,720 members and 1 branch in Ohio. Best rates: CDs 2.52% and savings 0.25% APY.
Local 392 Federal Credit Union Carrot Score
63
Carrot Score
Higher than 8% of U.S. banks and credit unions
#50 of 58 in Cincinnati, OH-KY-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Local 392 Federal Credit Union
Local 392 Federal Credit Union is based in Cincinnati, Ohio.
- Headquarters
- 1228 Central Pkwy Ste 302, Cincinnati, OH 45202
- NCUA charter
- 24373
Branches
1 branch in Ohio
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Ohio
1 branch
- Main OfficeMain office1228 Central Pkwy Ste 302, Cincinnati, OH 45202Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.87% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.09% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.39% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $65 | $59 | — |
- CapitalNet worth ratio15.87%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.09%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.39%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$65Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Local 392 Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.