Credit Union Safety Analysis
Is Telhio Credit Union, Inc. Safe? Columbus, Ohio
Based on its Q2 2026 NCUA 5300 call report, Telhio Credit Union, Inc. has a net worth ratio of 9.65%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.01%, 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, Telhio Credit Union, Inc.'s net worth ratio is 9.65%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.65%
- Delinquency ratio (60+ days) (Q2 2026): 2.01%
- Return on assets (Q2 2026): 0.13%
- Loan-to-share ratio (Q2 2026): 93.23%
Telhio Credit Union, Inc. (NCUA charter 62848, established 1935) reported $1.35B in assets and 68,461 members for Q2 2026 from Columbus, Ohio. It ranks 8 of 191 credit unions in Ohio by total assets. Total assets fell 1.3% from $1.37B on June 30, 2025. It has 269 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 0.25 percentage points from 9.40% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $462.0M of $1.07B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.01% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.67% for Q1 2026; 9.40% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.77% for Q1 2026; 1.27% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.04% for Q1 2026; 0.07% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 93.44% for Q1 2026; 91.70% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $462.0M
- Commercial loans: $374.0M
- Used vehicle loans: $102.2M
- New vehicle loans: $54.2M
- Other secured non-real estate loans and lines of credit: $46.8M
- Other unsecured loans and lines of credit: $30.4M
- Non-federally guaranteed student loans: $336K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.35B | 9.65% | 2.01% | 0.13% | 93.23% |
| March 31, 2026 | $1.34B | 9.67% | 1.77% | 0.04% | 93.44% |
| December 31, 2025 | $1.35B | 9.59% | 1.53% | 0.05% | 93.68% |
| September 30, 2025 | $1.36B | 9.60% | 1.68% | 0.38% | 92.65% |
| June 30, 2025 | $1.37B | 9.40% | 1.27% | 0.07% | 91.70% |
| March 31, 2025 | $1.39B | 9.23% | 0.96% | 0.08% | 91.25% |
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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.
Telhio Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 62848) · FFIEC NIC profile (RSSD 1008692)
Frequently asked questions
Is Telhio Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, Telhio Credit Union, Inc.'s net worth ratio is 9.65%, above the 7% NCUA threshold for well capitalized.
Is Telhio Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. Telhio Credit Union, Inc. is a federally insured credit union (NCUA charter 62848): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Telhio Credit Union, Inc.'s key safety ratios?
For Q2 2026, Telhio Credit Union, Inc. reports net worth 9.65%, delinquency 2.01%, ROA 0.13%, loan-to-share 93.23%.
What happens to my money if Telhio Credit Union, Inc. fails?
For Q2 2026, Telhio Credit Union, Inc. held $1.15B in shares and deposits for 68,461 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.