TellerScore

Ih Credit Union, Inc. (NCUA charter #97104) is based in Springfield, Ohio. Its Q2 2026 call report shows $362.7M in total assets and $274.1M in member shares and deposits and 5 offices.

Ih Credit Union, Inc. has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 80th. Capital cushion contributes the most (100/100, 16.04%); loan quality contributes the least (43/100, 1.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.04%
Loan quality43/100
Loans 60+ days delinquent ÷ total loans: 1.70%
Earnings57/100
Return on assets (annualized): 0.91%
Funding & liquidity85/100
Loans ÷ shares: 75.6% · 0.0% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.66%

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 5 points (69 → 74), mostly because the earnings component improved by 16 points.

TellerScore
606774Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202466
Q4 202468
Q1 202573
Q2 202569
Q3 202569
Q4 202567
Q1 202668
Q2 202674
Net worth ratio
7.00%11.96%16.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.14%
Q3 202416.91%
Q4 202416.34%
Q1 202515.98%
Q2 202515.87%
Q3 202515.73%
Q4 202515.88%
Q1 202615.85%
Q2 202616.04%
Delinquent loans (60+ days)
1.30%1.67%2.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.04%
Q3 20241.86%
Q4 20241.66%
Q1 20251.30%
Q2 20251.77%
Q3 20251.78%
Q4 20252.02%
Q1 20261.84%
Q2 20261.70%
Return on assets
-0.18%0.37%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.18%
Q3 20240.38%
Q4 20240.34%
Q1 20250.51%
Q2 20250.51%
Q3 20250.50%
Q4 20250.46%
Q1 20260.37%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$362.7M16.04%1.70%0.91%75.6%
Q1 202668$358.7M15.85%1.84%0.37%73.7%
Q4 202567$356.0M15.88%2.02%0.46%75.1%
Q3 202569$359.1M15.73%1.78%0.50%77.8%
Q2 202569$357.4M15.87%1.77%0.51%77.7%
Q1 202573$352.1M15.98%1.30%0.51%79.9%
Q4 202468$341.6M16.34%1.66%0.34%83.2%
Q3 202466$343.2M16.91%1.86%0.38%84.4%
Q2 202460$353.7M16.14%2.04%-0.18%87.2%

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 ratio16.04%
90th
Problem loans1.70%
10th
Net charge-offs1.06%
8th
Return on assets0.91%
61st
Loans to deposits75.6%
50th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio6.7%
27th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Cardinal Credit Union, Inc.Credit union Mentor, OH57 out of 100, Moderate$365.7M10.0%1.11%vs
Firefighters Community Credit UnionCredit union Cleveland, OH65 out of 100, Moderate$358.6M9.8%0.61%vs
Pse Credit Union, Inc.Credit union Parma, OH72 out of 100, Strong$352.5M11.1%0.61%vs
Myusa Credit UnionCredit union Middletown, OH64 out of 100, Moderate$351.2M14.2%2.34%vs
Genfed Financial Credit UnionCredit union Akron, OH79 out of 100, Strong$335.9M16.8%1.38%vs
Fremont Federal Credit UnionCredit union Fremont, OH74 out of 100, Strong$391.4M12.7%0.86%vs

Deposit insurance

Is my money safe at Ih Credit Union, Inc.?

Ih Credit Union, Inc. files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.04%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Ih Credit Union, Inc. lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Ih Credit Union, Inc. reported 32 home-loan applications under HMDA (LEI 549300OZV7J05G72WS11): 29 originated ($3,825,000 total), 1 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.3%, 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
Ih Credit Union, Inc.
Type
Non-federally insured state credit union
NCUA charter #
97104
RSSD ID
68699
Primary regulator
State + NCUA
Established
1934
Headquarters
5000 Urbana Road, Springfield, OH 45502
Employees
63

Quick answers

Ih Credit Union, Inc.: common questions

Is Ih Credit Union, Inc. NCUA insured?

Ih Credit Union, Inc. files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Ih Credit Union, Inc.'s TellerScore?

74 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 Ih Credit Union, Inc. have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Springfield

InstitutionScoreAssetsCapitalProblem loansCompare
The First Central National Bank of St. ParisBank St. Paris, OH87 out of 100, Very strong$97.0M18.9%0.02%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
Day Air Credit UnionCredit union Kettering, OH82 out of 100, Strong$908.8M14.6%0.96%vs
Minster BankBank Minster, OH79 out of 100, Strong$811.6M10.1%0.14%vs
Postal Family Credit Union, Inc.Credit union Cincinnati, OH79 out of 100, Strong$66.2M18.1%1.44%vs
First National Bank in New BremenBank New Bremen, OH78 out of 100, Strong$467.1M10.8%0.17%vs