Chivaho
Chillicothe, OH · Charter 5741 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$37.7MAssets
$15.3MLoans
$32.4MShares
$5.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 75% of credit unions under $1B in assets (rank 428 of 1682).
- Widest gap: net interest margin trails 85% of credit unions under $1B in assets (rank 1428 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.74%
Rank 840 of 1,683
Net Interest Margin
3.04%
Rank 1,428 of 1,683
Efficiency Ratio
69.52%
Rank 441 of 1,682
Equity / Assets
13.88%
Rank 691 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.35% | 0.74% | 1.18% | Beats 50% | 840 / 1,683 | | |
| Return on Equity | 5.32% | 2.67% | 5.89% | 8.74% | Beats 45% | 923 / 1,681 | | |
| Net Interest Margin | 3.04% | 3.31% | 3.82% | 4.32% | Beats 15% | 1,428 / 1,683 | | |
| Efficiency Ratio | 69.52% | 68.91% | 78.20% | 86.93% | Beats 74% | 441 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.29% | Beats 75% | 428 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.88% | 10.44% | 12.89% | 16.53% | Beats 59% | 691 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.88% | 10.44% | 12.89% | 16.53% | Beats 59% | 691 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 47.22% | 52.61% | 69.38% | 83.50% | 19th pctl | 1,366 / 1,683 | | |
| Loans / Assets | 40.57% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,347 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |