KH CREDIT UNION, INC.
Charter #97113 · Dayton, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.44% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.26% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 28th — a 26-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 | KH CREDIT UNION, INC. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $69.39M | 45th pct | 36th pct |
| Members | 7,774 | 86th pct | 66th pct |
| Net worth ratio | 13.16% | 53th pct | 64th pct |
| Return on average assets | 0.61% | 44th pct | 57th pct |
| Net interest margin | 3.65% | 48th pct | 28th pct |
| Cost of funds | 1.44% | 77th pct | 85th pct |
| Loan-to-share | 67.86% | 63th pct | 61th pct |
| Delinquency 60+ days | 0.26% | 26th pct | 10th pct |
| Net charge-off ratio | 0.28% | 54th pct | 28th pct |
| Loan growth YoY | -0.97% | 56th pct | 46th pct |
| Share growth YoY | 0.40% | 22th pct | 30th pct |
| Efficiency ratio | 83.18% | 61th pct | 39th pct |
structural peer set hash: 80b47a13de69c64fc9d99c737cd15608… (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.