TellerScore

Headquartered in Kettering, Ohio, Day Air Credit Union is a federally insured state-chartered credit union with $908.8M in total assets and $747.9M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1944.

Based on its Q2 2026 filing, Day Air Credit Union scores 82/100, which we describe as strong. That is higher than 82% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 42nd. Its strongest component is capital cushion (96/100; 14.56%), and its lowest is funding & liquidity (66/100; 95% loans-to-deposits, 7% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion96/100
Net worth ratio: 14.56%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.96%
Earnings88/100
Return on assets (annualized): 1.71%
Funding & liquidity66/100
Loans ÷ shares: 94.5% · 7.1% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.97%

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

From Q2 2025 to Q2 2026, the score rose 3 points (79 → 82), mostly because the capital cushion component improved by 10 points.

TellerScore
758085Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202476
Q4 202475
Q1 202579
Q2 202579
Q3 202579
Q4 202578
Q1 202685
Q2 202682
Net worth ratio
7.00%10.78%14.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.91%
Q3 202413.18%
Q4 202413.52%
Q1 202513.39%
Q2 202513.55%
Q3 202513.85%
Q4 202513.98%
Q1 202614.50%
Q2 202614.56%
Delinquent loans (60+ days)
0.73%0.86%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.78%
Q3 20240.84%
Q4 20240.92%
Q1 20250.73%
Q2 20250.76%
Q3 20250.77%
Q4 20250.99%
Q1 20260.86%
Q2 20260.96%
Return on assets
1.36%1.78%2.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.45%
Q3 20241.44%
Q4 20241.36%
Q1 20251.64%
Q2 20251.61%
Q3 20251.55%
Q4 20251.58%
Q1 20262.20%
Q2 20261.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$908.8M14.56%0.96%1.71%94.5%
Q1 202685$892.9M14.50%0.86%2.20%94.4%
Q4 202578$890.6M13.98%0.99%1.58%97.9%
Q3 202579$873.0M13.85%0.77%1.55%100.3%
Q2 202579$869.5M13.55%0.76%1.61%99.3%
Q1 202579$853.9M13.39%0.73%1.64%99.4%
Q4 202475$819.3M13.52%0.92%1.36%98.9%
Q3 202476$826.1M13.18%0.84%1.44%100.2%
Q2 202476$821.0M12.91%0.78%1.45%96.7%

1,341 peers · $100 million – $1 billion

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 ratio14.56%
83rd
Problem loans0.96%
32nd
Net charge-offs0.73%
19th
Return on assets1.71%
94th
Loans to deposits94.5%
8th
Uninsured deposits7.1%
39th
Loan-loss reserves0.00%
50th
Texas ratio7.0%
26th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Cinfed Federal Credit UnionCredit union Cincinnati, OH72 out of 100, Strong$863.2M11.6%0.30%vs
Atomic Credit UnionCredit union Piketon, OH64 out of 100, Moderate$855.4M8.6%0.24%vs
Dover-Phila Federal Credit UnionCredit union Dover, OH83 out of 100, Strong$812.6M13.3%0.91%vs
Pathways Financial Credit UnionCredit union Columbus, OH67 out of 100, Moderate$771.9M10.8%1.08%vs
Bmi Federal Credit UnionCredit union Dublin, OH68 out of 100, Moderate$732.3M10.4%0.46%vs
Sharefax Credit UnionCredit union Cincinnati, OH59 out of 100, Moderate$720.8M9.8%1.11%vs

Deposit insurance

Is my money safe at Day Air Credit Union?

Yes. Day Air Credit Union is a federally insured credit union (NCUA charter #66835). 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 7.1% of shares and deposits ($53.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.56%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Day Air Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Day Air Credit Union reported 1,191 home-loan applications under HMDA (LEI 254900JPFVLN18XNDG98): 702 originated ($104,140,000 total), 186 denied, and 283 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Day Air Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66835
RSSD ID
501794
Primary regulator
State + NCUA
Established
1944
Headquarters
PO Box 292980, Kettering, OH 45429
Employees
117

Quick answers

Day Air Credit Union: common questions

Is Day Air Credit Union NCUA insured?

Yes. Day Air Credit Union is a federally insured credit union (NCUA charter #66835). 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 Day Air Credit Union's TellerScore?

82 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 Day Air Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kettering

InstitutionScoreAssetsCapitalProblem loansCompare
Middletown Area Schools Credit UnionCredit union Middletown, OH84 out of 100, Strong$11.3M15.2%1.09%vs
Kh Credit Union, Inc.Credit union Dayton, OH79 out of 100, Strong$71.1M12.9%0.31%vs
Postal Family Credit Union, Inc.Credit union Cincinnati, OH79 out of 100, Strong$66.2M18.1%1.44%vs
Minster BankBank Minster, OH79 out of 100, Strong$811.6M10.1%0.14%vs
The Brookville Building and Savings AssociationBank Brookville, OH79 out of 100, Strong$41.2M20.0%0.00%vs
Civista BankBank Sandusky, OH75 out of 100, Strong$4.3B12.7%0.92%vs