IH CREDIT UNION, INC.
Charter #97104 · SPRINGFIELD, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.85% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.37% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.79% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.84% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.12% sits at the 95th percentile of structural peers — worth a closer look.
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 | IH CREDIT UNION, INC. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $358.70M | 83th pct | 70th pct |
| Members | 18,531 | 72th pct | 57th pct |
| Net worth ratio | 15.85% | 88th pct | 89th pct |
| Return on average assets | 0.37% | 27th pct | 10th pct |
| Net interest margin | 3.50% | 41th pct | 30th pct |
| Cost of funds | 1.79% | 80th pct | 82th pct |
| Loan-to-share | 73.70% | 54th pct | 43th pct |
| Delinquency 60+ days | 1.84% | 93th pct | 90th pct |
| Net charge-off ratio | 1.12% | 91th pct | 95th pct |
| Loan growth YoY | -3.52% | 13th pct | 5th pct |
| Share growth YoY | 1.79% | 26th pct | 33th pct |
| Efficiency ratio | 80.10% | 56th pct | 69th pct |
structural peer set hash: 2240491fcd57425a865872e0fb6aaea5… (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.