CHIVAHO
Charter #5741 · Chillicothe, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 1.99% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.87% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 44th — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CHIVAHO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.86M | 76th pct | 44th pct |
| Members | 2,227 | 55th pct | 46th pct |
| Net worth ratio | 14.04% | 53th pct | 69th pct |
| Return on average assets | 0.76% | 56th pct | 62th pct |
| Net interest margin | 3.10% | 19th pct | 34th pct |
| Cost of funds | 1.03% | 60th pct | 59th pct |
| Loan-to-share | 47.54% | 33th pct | 33th pct |
| Delinquency 60+ days | 0.53% | 47th pct | 49th pct |
| Net charge-off ratio | 1.99% | 95th pct | 97th pct |
| Loan growth YoY | -2.50% | 49th pct | 38th pct |
| Share growth YoY | 1.62% | 40th pct | 43th pct |
| Efficiency ratio | 66.87% | 20th pct | 10th pct |
structural peer set hash: 7d9606507679996c7b118b9ca9237b0e… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.