Credit Union Safety Analysis
Is KH Credit Union, Inc. Safe? Dayton, Ohio
Based on its Q2 2026 NCUA 5300 call report, KH Credit Union, Inc. has a net worth ratio of 12.95%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.31%, 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, KH Credit Union, Inc.'s net worth ratio is 12.95%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.95%
- Delinquency ratio (60+ days) (Q2 2026): 0.31%
- Return on assets (Q2 2026): 0.43%
- Loan-to-share ratio (Q2 2026): 66.29%
KH Credit Union, Inc. (NCUA charter 97113, established 1964) reported $71.1M in assets and 7,774 members for Q2 2026 from Dayton, Ohio. It ranks 92 of 191 credit unions in Ohio by total assets. Total assets grew 1.5% from $70.0M on June 30, 2025. It has 144 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was up 0.68 percentage points from 12.27% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $19.2M of $40.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.31% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 13.16% for Q1 2026; 12.27% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.26% for Q1 2026; 0.27% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.62% for Q1 2026; 0.98% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 67.86% for Q1 2026; 68.85% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $19.2M
- Used vehicle loans: $10.3M
- New vehicle loans: $5.4M
- Unsecured credit card loans: $2.7M
- Other unsecured loans and lines of credit: $1.9M
- Other secured non-real estate loans and lines of credit: $709K
- Commercial loans: $655K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $71.1M | 12.95% | 0.31% | 0.43% | 66.29% |
| March 31, 2026 | $69.4M | 13.16% | 0.26% | 0.62% | 67.86% |
| December 31, 2025 | $69.7M | 12.94% | 0.49% | 1.24% | 66.15% |
| September 30, 2025 | $69.0M | 12.77% | 0.22% | 1.26% | 68.79% |
| June 30, 2025 | $70.0M | 12.27% | 0.27% | 0.98% | 68.85% |
| March 31, 2025 | $70.7M | 11.91% | 0.19% | 0.61% | 67.78% |
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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 97113) · FFIEC NIC profile (RSSD 868488)
Frequently asked questions
Is KH Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, KH Credit Union, Inc.'s net worth ratio is 12.95%, above the 7% NCUA threshold for well capitalized.
Is KH Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. KH Credit Union, Inc. is a federally insured credit union (NCUA charter 97113): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are KH Credit Union, Inc.'s key safety ratios?
For Q2 2026, KH Credit Union, Inc. reports net worth 12.95%, delinquency 0.31%, ROA 0.43%, loan-to-share 66.29%.
What happens to my money if KH Credit Union, Inc. fails?
For Q2 2026, KH Credit Union, Inc. held $61.6M in shares and deposits for 7,774 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.