Kyger Creek Credit Union

Credit UnionNFICUCheshire, OH·NCUA #96737Compare ⇄▤ Account brief

Total assets

$20.3M

▲ +3.8% YoY

Shares & deposits

$16.3M

▲ +3.5% YoY

Loans

$9.9M

▲ +5.8% YoY

Members

1,065

▼ -14.1% YoY

ROA (annualized)

0.78%

peers 0.60%

ROE (annualized)

4.01%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+3.8%	+1.3%	+2.5 pts
Share growth (YoY)	+3.5%	+0.7%	+2.8 pts
Loan growth (YoY)	+5.8%	-2.4%	+8.1 pts
ROA	0.78%	0.60%	+0.2 pts
ROE	4.0%	4.1%	-0.1 pts

ROA ranks in the 59th percentile of its peer group · Q1 2026

Profile

Established: —
Charter: NFICU
Primary regulator: NCUA
NCUA peer group: Peer group 3
Address: Po Box 372, Cheshire, OH, 45620
NCUA charter #: 96737
RSSD ID: 210199
Latest call report: Q1 2026

Total assets last 8 quarters

Members last 8 quarters

Quarterly financials NCUA 5300 call report

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$20.3M	$16.3M	$9.9M	$3.9M	$39K	0.78%	2.52%	1.04%	1,065
Q4 2025	$20.1M	$16.2M	$10.1M	$3.9M	$172K	0.86%	2.45%	1.04%	1,520
Q3 2025	$19.5M	$15.6M	$9.8M	$3.9M	$142K	0.97%	2.57%	0.79%	1,520
Q2 2025	$19.6M	$15.8M	$9.7M	$3.8M	$85K	0.87%	2.45%	1.20%	1,240
Q1 2025	$19.6M	$15.8M	$9.4M	$3.7M	$31K	0.64%	2.32%	0.53%	1,240
Q4 2024	$19.3M	$15.5M	$9.5M	$3.7M	$106K	0.55%	2.14%	0.89%	1,240
Q3 2024	$19.2M	$15.5M	$9.9M	$3.7M	$88K	0.61%	2.18%	0.77%	1,240
Q2 2024	$19.3M	$15.6M	$9.8M	$3.7M	$50K	0.52%	2.10%	1.74%

Signals what changed in the call reports

Members down·Members -14.1% YoY (2%+ decline) — Losing members — growth and digital experience are top of mindDelinquency up·Delinquency up 0.51 pts YoY — Credit stress; collections and risk analytics get budget

Ratio pack Q1 2026 · peer medians from 2508 institutions

Profitability

Ratio	Kyger Creek Credit Union	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.78%	0.60%	59th
Return on equity Annualized net income ÷ equity or net worth	4.0%	4.1%	49th
Net interest margin Interest income − interest expense, ÷ assets	2.52%	3.83%

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Ratio	Kyger Creek Credit Union	Peer median
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%

Ratio	Kyger Creek Credit Union	Peer median
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%

Ratio	Kyger Creek Credit Union	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%