Ih Credit Union, Inc Springfield, Ohio
Ih Credit Union, Inc is a state-chartered credit union headquartered in Springfield, OH, established in 1934 (NCUA charter 97104), and it is regulated and insured by the NCUA. At Q2 2026 it reported 18,267 members and total assets of $362.7M (up 1.5% from Q2 2025), the 28th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 16.04% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 97104
- Headquarters
- Springfield, OH
- Established
- 1934
- Total assets, Q2 2026
- $362.7M
- Assets vs Q2 2025
- +1.5%
- Members, Q2 2026
- 18,267
- Net worth ratio, Q2 2026
- 16.04%
- Latest call report
- Q2 2026, NCUA 5300 · Ih Credit Union, Inc call report
- Asset rank in state
- 28th of 191 in Ohio
- Routing number
- 242279068
- Branches
- 5
It has 2,390 fewer members than on June 30, 2025 (-11.6%). Its net worth ratio was up 0.17 percentage points from 15.87% on June 30, 2025. Commercial loans are its largest loan category, $81.4M of $207.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.70% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 16.04% net worth ratio is above that band's 11.43% median.
Credit unions merged into Ih Credit Union, Inc
Robbins & Myers Employees Federal Credit Union (2016) · Wittenberg University Federal Credit Union (2014)
Frequently asked about Ih Credit Union, Inc
How big is Ih Credit Union, Inc?
At Q2 2026 it reported total assets of $362.7M and 18,267 members.
Where is Ih Credit Union, Inc headquartered?
It is headquartered in Springfield, OH, United States.
When was Ih Credit Union, Inc founded?
It was established in 1934, per NCUA records.
Is Ih Credit Union, Inc FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 97104): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Ih Credit Union, Inc?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Ih Credit Union, Inc well capitalized?
Its net worth ratio was 16.04% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Ih Credit Union, Inc's delinquency ratio?
Its delinquency ratio was 1.70% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Ih Credit Union, Inc's loan-to-share ratio?
Its loan-to-share ratio was 75.62% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Springfield, OH 45502
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1934
- NCUA Charter #
- 97104
- RSSD ID
- 68699
- Members
- 18,267
- Potential members
- 755,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 16.04% | 11.43% | 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.47% | 0.81% | 83rd top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.12% | 7.02% | 69th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.69% | 3.70% | 49th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 67.02% | 76.55% | 78th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.32% | 1.24% | 44th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.70% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.01% | 4.92% | 55th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 75.62% | 75.66% | 50th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$362.7M total assets against $357.4M; $274.1M total shares and deposits against $272.6M; $207.2M total loans against $211.7M.
$58.3M net worth against $57.0M.
16.04% net worth ratio against 15.87%.
75.62% loan-to-share ratio against 77.68%.
1.70% delinquency ratio against 1.77%.
1.47% return on assets against 0.52%; 9.12% return on equity against 3.26%.
3.69% net interest margin against 3.49%.
18,267 members against 20,657.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.04% | 1.47% | 1.70% | 75.62% |
| March 31, 2026 | 15.85% | 0.37% | 1.84% | 73.70% |
| December 31, 2025 | 15.88% | 0.32% | 2.02% | 75.08% |
| September 30, 2025 | 15.73% | 0.49% | 1.78% | 77.75% |
| June 30, 2025 | 15.87% | 0.52% | 1.77% | 77.68% |
| March 31, 2025 | 15.98% | 0.51% | 1.30% | 79.86% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.