Credit union · NCUA insured
St. James Parish Credit Union
A $5.7M credit union headquartered in Cincinnati, OH, with 799 members and 1 branch in Ohio. Best rates: CDs 3.82% and savings 0.50% APY.
St. James Parish Credit Union Carrot Score
72
Carrot Score
Higher than 32% of U.S. banks and credit unions
#35 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 St. James Parish Credit Union
Founded in 1939, St. James Parish Credit Union is a member-owned financial cooperative headquartered in Cincinnati, Ohio.
The credit union is dedicated to providing personalized financial services to members of St. James Parish.
- Headquarters
- 6195 Cheviot Rd, Cincinnati, OH 45247-6120
- NCUA charter
- 62624
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members of St. James Roman Catholic Parish of White Oak, Cincinnati, OH.
- Membership is open to all employees of the credit union.
- Membership is open to selected groups.
Military, government and schools
- Membership extends to faculty and students of St. James Parish School and members within their households.
Family and household
- Membership is open to relatives of parish members, including spouses, widowers, parents, grandparents, siblings, children, grandchildren, or dependents within a parish member's household.
- Membership is open to family members of credit union employees, including spouses, widowers, parents, grandparents, siblings, children, grandchildren, or dependents within the employee's household.
Branches
1 branch in Ohio
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Ohio
1 branch
- St. James Parish Credit UnionMain office6195 Cheviot Rd, Cincinnati, OH 45247Directions
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 | 21.83% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.29% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $92 | $59 | — |
- CapitalNet worth ratio21.83%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.29%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$92Peers’ 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 St. James Parish Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.