Kh Credit Union, Inc. Credit Union
Total assets
$69.4M
▼ -1.9% YoY
Shares & deposits
$60.0M
▼ -3.3% YoY
Loans
$40.7M
▼ -3.2% YoY
Members
7,774
▼ -2.3% YoY
ROA (annualized)
0.62%
peers 0.60%
ROE (annualized)
4.68%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -3.3% | +0.7% | -4.0 pts |
| Loan growth (YoY) | -3.2% | -2.4% | -0.9 pts |
| ROA | 0.62% | 0.60% | +0.0 pts |
| ROE | 4.7% | 4.1% | +0.6 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
Profile
- Established
- 1964
- Charter
- NFICU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 7740 Paragon Rd, Dayton, OH, 45459
- NCUA charter #
- 97113
- RSSD ID
- 868488
- Latest call report
- Q1 2026
Total assets last 7 quarters
Members last 7 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $69.4M | $60.0M | $40.7M | $9.1M | $107K | 0.62% | 3.66% | 0.26% | 7,774 |
| Q4 2025 | $69.7M | $60.4M | $39.9M | $9.0M | $713K | 1.02% | 3.77% | 0.49% | 7,826 |
| Q3 2025 | $69.0M | $59.7M | $41.1M | $8.8M | $497K | 0.96% | 3.81% | 0.22% | 7,827 |
| Q2 2025 | $70.0M | $61.2M | $42.1M | $8.6M | $279K | 0.80% | 3.67% | 0.27% | 7,918 |
| Q1 2025 | $70.7M | $62.0M | $42.0M | $8.4M | $108K | 0.61% | 3.58% | 0.19% | 7,954 |
| Q4 2024 | $71.3M | $62.7M | $43.5M | $8.3M | $371K | 0.52% | 3.42% | 0.32% | 8,003 |
| Q3 2024 | $65.7M | $57.9M | $45.6M | $8.2M | $279K | 0.57% | 3.73% | 0.26% | 8,100 |
Loan mix (Q1 2026): real estate $19.6M · commercial $693K · consumer $19.6M · securities $23.6M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.83% | 43th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.2% | 81.5% | 54th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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