Ih Credit Union, Inc.
Springfield, OH · Charter 97104 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$362.7MAssets
$207.2MLoans
$274.1MShares
$58.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 73% of credit unions under $1B in assets (rank 456 of 1683).
- Widest gap: nonperforming loans / loans trails 83% of credit unions under $1B in assets (rank 1389 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.91%
Rank 665 of 1,683
Net Interest Margin
3.57%
Rank 1,068 of 1,683
Efficiency Ratio
72.92%
Rank 587 of 1,682
Equity / Assets
16.08%
Rank 456 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.35% | 0.74% | 1.18% | Beats 60% | 665 / 1,683 | | |
| Return on Equity | 5.69% | 2.67% | 5.89% | 8.74% | Beats 48% | 876 / 1,681 | | |
| Net Interest Margin | 3.57% | 3.31% | 3.82% | 4.32% | Beats 37% | 1,068 / 1,683 | | |
| Efficiency Ratio | 72.92% | 68.91% | 78.20% | 86.93% | Beats 65% | 587 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.70% | 0.26% | 0.65% | 1.29% | Beats 17% | 1,389 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.08% | 10.44% | 12.89% | 16.53% | Beats 73% | 456 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.08% | 10.44% | 12.89% | 16.53% | Beats 73% | 456 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.62% | 52.61% | 69.38% | 83.50% | 61st pctl | 660 / 1,683 | | |
| Loans / Assets | 57.14% | 44.71% | 59.18% | 70.72% | 46th pctl | 911 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |