Ih Credit Union, Inc.

SPRINGFIELD, OH · 3 · Charter #97104 · www.ihcreditunion.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$356.0M
30th percentile
Members
20,040
25th percentile
Total loans
$206.1M
22th percentile
Total shares
$274.5M
21th percentile

Profitability

Return on assets
0.79%
38th percentile
Net interest margin
3.53%
56th percentile
Efficiency ratio
57.44%
59th percentile
Non-interest income ratio
19.39%
53th percentile

Capital & Risk

Net worth ratio
15.91%
93th percentile
Delinquency rate
2.02%
5th percentile
Net charge-off rate
1.26%
7th percentile
Loan-to-share
75.08%
37th percentile

Growth

Member growth YoY
-7.36%
5th percentile
Asset growth YoY
4.24%
42th percentile
Loan growth YoY
-5.79%
6th percentile
Share growth YoY
4.44%
47th percentile

Operations

Members / branch
4,008
37th percentile
Assets / member
$17,766
62th percentile
Field of membership penetration
2.65%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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