Local Union 392 Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 0.7 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.8 and a net worth ratio of 15.0. A current level of 5.4 percent of nonperforming loans to core capital combined with 7.6 percent from a year earlier contributes to the Excellent asset quality (7.1).
Asset Mix:
Consumer loans (68%), other (32%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1228 Central Parkway
Cincinnati, OH 45202
Cincinnati, OH 45202
Phone Number
(513) 621-4600
NCUA Charter Number
Website
Largest Competitors
Cincinnati, OH
Cincinnati, OH
Cincinnati, OH
Cincinnati, OH
Cincinnati, OH