Credit Union Safety Analysis
Is Ih Credit Union, Inc Safe? Springfield, Ohio
Based on its Q2 2026 NCUA 5300 call report, Ih Credit Union, Inc has a net worth ratio of 16.04%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.70%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Ih Credit Union, Inc's net worth ratio is 16.04%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.04%
- Delinquency ratio (60+ days) (Q2 2026): 1.70%
- Return on assets (Q2 2026): 1.47%
- Loan-to-share ratio (Q2 2026): 75.62%
Ih Credit Union, Inc (NCUA charter 97104, established 1934) reported $362.7M in assets and 18,267 members for Q2 2026 from Springfield, Ohio. It ranks 28 of 191 credit unions in Ohio by total assets. Total assets grew 1.5% from $357.4M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 15.85% for Q1 2026; 15.87% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.84% for Q1 2026; 1.77% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.37% for Q1 2026; 0.52% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 73.70% for Q1 2026; 77.68% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $81.4M
- 1- to 4-family residential and other consumer real estate loans: $69.2M
- Used vehicle loans: $40.4M
- New vehicle loans: $7.1M
- Other unsecured loans and lines of credit: $3.0M
- Unsecured credit card loans: $3.0M
- Other secured non-real estate loans and lines of credit: $1.9M
- Non-federally guaranteed student loans: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $362.7M | 16.04% | 1.70% | 1.47% | 75.62% |
| March 31, 2026 | $358.7M | 15.85% | 1.84% | 0.37% | 73.70% |
| December 31, 2025 | $356.0M | 15.88% | 2.02% | 0.32% | 75.08% |
| September 30, 2025 | $359.1M | 15.73% | 1.78% | 0.49% | 77.75% |
| June 30, 2025 | $357.4M | 15.87% | 1.77% | 0.52% | 77.68% |
| March 31, 2025 | $352.1M | 15.98% | 1.30% | 0.51% | 79.86% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 97104) · FFIEC NIC profile (RSSD 68699)
Frequently asked questions
Is Ih Credit Union, Inc well capitalized?
On its Q2 2026 NCUA 5300 call report, Ih Credit Union, Inc's net worth ratio is 16.04%, above the 7% NCUA threshold for well capitalized.
Is Ih Credit Union, Inc FDIC insured?
No. The FDIC insures banks, not credit unions. Ih Credit Union, Inc is a federally insured credit union (NCUA charter 97104): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Ih Credit Union, Inc's key safety ratios?
For Q2 2026, Ih Credit Union, Inc reports net worth 16.04%, delinquency 1.70%, ROA 1.47%, loan-to-share 75.62%.
What happens to my money if Ih Credit Union, Inc fails?
For Q2 2026, Ih Credit Union, Inc held $274.1M in shares and deposits for 18,267 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.