Chivaho

Chillicothe, OH · 1 · Charter #5741 · www.chivaho.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$36.7M
86th percentile
Members
2,235
72th percentile
Total loans
$15.4M
79th percentile
Total shares
$31.5M
87th percentile

Profitability

Return on assets
0.87%
52th percentile
Net interest margin
2.90%
17th percentile
Efficiency ratio
60.20%
64th percentile
Non-interest income ratio
16.90%
75th percentile

Capital & Risk

Net worth ratio
13.91%
43th percentile
Delinquency rate
0.76%
48th percentile
Net charge-off rate
0.50%
32th percentile
Loan-to-share
48.75%
32th percentile

Growth

Member growth YoY
-4.32%
21th percentile
Asset growth YoY
5.02%
74th percentile
Loan growth YoY
-1.80%
56th percentile
Share growth YoY
5.87%
80th percentile

Operations

Members / branch
1,118
51th percentile
Assets / member
$16,427
90th percentile
Field of membership penetration
3.02%
14th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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