TellerScore

Chivaho Federal Credit Union (NCUA charter #5741) is based in Chillicothe, Ohio. Its Q2 2026 call report shows $37.7M in total assets and $32.4M in member shares and deposits and 2 offices.

Chivaho Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 33rd. Funding & liquidity contributes the most (100/100, 47% loans-to-deposits, 4% uninsured); earnings contributes the least (50/100, 0.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.88%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings50/100
Return on assets (annualized): 0.74%
Funding & liquidity100/100
Loans ÷ shares: 47.2% · 3.6% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.78%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (84 → 84).

TellerScore
788184Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202482
Q4 202482
Q1 202582
Q2 202584
Q3 202583
Q4 202580
Q1 202682
Q2 202684
Net worth ratio
7.00%10.52%14.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.54%
Q3 202413.93%
Q4 202413.91%
Q1 202513.47%
Q2 202513.77%
Q3 202513.92%
Q4 202513.91%
Q1 202614.04%
Q2 202613.88%
Delinquent loans (60+ days)
0.27%0.51%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.44%
Q3 20240.30%
Q4 20240.30%
Q1 20250.37%
Q2 20250.34%
Q3 20250.42%
Q4 20250.76%
Q1 20260.53%
Q2 20260.27%
Return on assets
0.38%0.61%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.53%
Q4 20240.53%
Q1 20250.75%
Q2 20250.84%
Q3 20250.78%
Q4 20250.71%
Q1 20260.76%
Q2 20260.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$37.7M13.88%0.27%0.74%47.2%
Q1 202682$36.9M14.04%0.53%0.76%47.5%
Q4 202580$36.7M13.91%0.76%0.71%48.7%
Q3 202583$36.3M13.92%0.42%0.78%49.5%
Q2 202584$36.3M13.77%0.34%0.84%49.1%
Q1 202582$36.6M13.47%0.37%0.75%48.6%
Q4 202482$35.0M13.91%0.30%0.53%52.6%
Q3 202482$34.6M13.93%0.30%0.53%53.3%
Q2 202478$35.0M13.54%0.44%0.38%52.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.88%
46th
Problem loans0.27%
70th
Net charge-offs0.87%
16th
Return on assets0.74%
55th
Loans to deposits47.2%
68th
Uninsured deposits3.6%
31st
Loan-loss reserves0.00%
37th
Texas ratio0.8%
70th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Softite Community Federal Credit UnionCredit union Martins Ferry, OH73 out of 100, Strong$37.6M15.7%2.91%vs
Theory Federal Credit UnionCredit union Painesville, OH46 out of 100, Below average$38.4M8.7%2.11%vs
Members Choice Credit UnionCredit union Greenville, OH92 out of 100, Very strong$38.9M17.9%0.44%vs
Materion Federal Credit UnionCredit union Elmore, OH87 out of 100, Very strong$38.9M14.7%0.00%vs
Cincinnati Employees Credit UnionCredit union Harrison, OH50 out of 100, Below average$35.5M10.3%2.30%vs
Erie Community Federal Credit UnionCredit union Sandusky, OH53 out of 100, Below average$39.9M8.4%2.02%vs

Deposit insurance

Is my money safe at Chivaho Federal Credit Union?

Yes. Chivaho Federal Credit Union is a federally insured credit union (NCUA charter #5741). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.6% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.88%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Chivaho Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Chivaho Federal Credit Union
Type
Federal credit union
NCUA charter #
5741
RSSD ID
887573
Primary regulator
NCUA
Established
1948
Headquarters
190 N Bridge St, Chillicothe, OH 45601
Employees
7

Quick answers

Chivaho Federal Credit Union: common questions

Is Chivaho Federal Credit Union NCUA insured?

Yes. Chivaho Federal Credit Union is a federally insured credit union (NCUA charter #5741). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Chivaho Federal Credit Union's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Chivaho Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Chillicothe

InstitutionScoreAssetsCapitalProblem loansCompare
Homeland Credit UnionCredit union Chillicothe, OH82 out of 100, Strong$624.2M15.8%1.10%vs
Union Savings BankBank Cincinnati, OH74 out of 100, Strong$4.0B10.5%0.70%vs
The Vinton County National BankBank Mcarthur, OH73 out of 100, Strong$1.6B10.5%0.27%vs
Universal 1 Credit UnionCredit union Dayton, OH68 out of 100, Moderate$424.7M12.4%1.53%vs
LCNB National BankBank Lebanon, OH68 out of 100, Moderate$2.2B9.3%0.34%vs
Peoples BankBank Marietta, OH67 out of 100, Moderate$9.5B9.7%0.60%vs