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KH Credit Union, Inc.

Dayton, OH · Charter 97113

NCUA · 1 branch

Q2 2026

$71.1MAssets
$40.8MLoans
$61.6MShares
$9.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.52%, down 28 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.31% of loans (+4 bps YoY).
  • Capital: net worth / assets of 12.95%, up 68 bps from a year ago.
  • Funding: loans stand at 66.29% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.52%-28 bps YoY

Net Interest Margin (quarter, annualized)

3.55%-11 bps YoY

Efficiency Ratio (quarter, annualized)

83.56%+332 bps YoY

Net Worth / Assets

12.95%+68 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.96%1.02%0.62%0.52%-28 bps
Return on Equity6.50%7.51%7.90%4.68%3.98%-252 bps
Net Interest Margin3.67%3.81%3.77%3.66%3.55%-11 bps
Efficiency Ratio80.24%78.08%77.58%83.18%83.56%+332 bps
Growth
Asset Growth (YoY)n/a5.13%-2.14%-1.89%1.51%n/a
Loan Growth (YoY)n/a-9.92%-8.26%-3.22%-3.02%n/a
Share Growth (YoY)n/a3.11%-3.65%-3.33%0.72%n/a
Asset Quality
Delinquent Loans / Loans0.27%0.22%0.49%0.26%0.31%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.27%12.77%12.94%13.16%12.95%+68 bps
Net Worth / Assets12.27%12.77%12.94%13.16%12.95%+68 bps
Liquidity & Funding
Loans / Shares68.85%68.79%66.15%67.86%66.29%-256 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps