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Letter portraitLegal landscapeQuarterYTD

Ih Credit Union, Inc.

Springfield, OH · Charter 97104

NCUA · 5 branches

Q2 2026

$362.7MAssets
$207.2MLoans
$274.1MShares
$58.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.91%, up 40 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 1.70% of loans (-7 bps YoY).
  • Capital: net worth / assets of 16.08%, up 13 bps from a year ago.
  • Funding: loans stand at 75.62% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.91%+40 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+11 bps YoY

Efficiency Ratio (YTD, annualized)

72.92%+46 bps YoY

Net Worth / Assets

16.08%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.34%0.51%0.51%0.50%0.46%0.37%0.91%+40 bps
Return on Equity2.24%2.09%3.20%3.21%3.19%2.90%2.31%5.69%+248 bps
Net Interest Margin3.54%3.58%3.49%3.46%3.48%3.53%3.49%3.57%+11 bps
Efficiency Ratio73.13%75.51%71.43%72.46%74.34%75.11%80.10%72.92%+46 bps
Growth
Asset Growth (YoY)-5.82%-4.65%0.19%1.05%4.63%4.24%1.88%1.47%+43 bps
Loan Growth (YoY)-7.70%-6.70%-6.62%-6.06%-4.89%-5.79%-5.44%-2.13%+394 bps
Share Growth (YoY)1.68%2.74%3.84%5.46%3.26%4.44%2.47%0.55%-491 bps
Asset Quality
Delinquent Loans / Loans1.86%1.66%1.30%1.77%1.78%2.02%1.84%1.70%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.95%16.42%16.06%15.95%15.76%15.91%15.88%16.08%+13 bps
Net Worth / Assets16.95%16.42%16.06%15.95%15.76%15.91%15.88%16.08%+13 bps
Liquidity & Funding
Loans / Shares84.42%83.24%79.86%77.68%77.75%75.08%73.70%75.62%-206 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps