TellerScore

Kh Credit Union, Inc. (NCUA charter #97113) is based in Dayton, Ohio. Its Q2 2026 call report shows $71.1M in total assets and $61.6M in member shares and deposits and 1 office.

Kh Credit Union, Inc. has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 57th. Problem-loan coverage contributes the most (97/100, 1.4%); earnings contributes the least (41/100, 0.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 12.95%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity94/100
Loans ÷ shares: 66.3% · 0.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.38%

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.

8 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 79).

TellerScore
747882Q3 2024Q1 2025Q3 2025Q1 2026Q2 2026
Show as table
QuarterTellerScore
Q3 202476
Q4 202474
Q1 202577
Q2 202578
Q3 202582
Q4 202581
Q1 202680
Q2 202679
Net worth ratio
7.00%10.08%13.16%well-capitalized benchmarkQ3 2024Q1 2025Q3 2025Q1 2026Q2 2026
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QuarterNet worth ratio
Q3 202412.53%
Q4 202411.67%
Q1 202511.91%
Q2 202512.27%
Q3 202512.77%
Q4 202512.94%
Q1 202613.16%
Q2 202612.95%
Delinquent loans (60+ days)
0.19%0.34%0.49%Q3 2024Q1 2025Q3 2025Q1 2026Q2 2026
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QuarterDelinquent loans (60+ days)
Q3 20240.26%
Q4 20240.32%
Q1 20250.19%
Q2 20250.27%
Q3 20250.22%
Q4 20250.49%
Q1 20260.26%
Q2 20260.31%
Return on assets
0.52%0.77%1.02%Q3 2024Q1 2025Q3 2025Q1 2026Q2 2026
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QuarterReturn on assets
Q3 20240.57%
Q4 20240.52%
Q1 20250.61%
Q2 20250.80%
Q3 20250.96%
Q4 20251.02%
Q1 20260.62%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$71.1M12.95%0.31%0.52%66.3%
Q1 202680$69.4M13.16%0.26%0.62%67.9%
Q4 202581$69.7M12.94%0.49%1.02%66.1%
Q3 202582$69.0M12.77%0.22%0.96%68.8%
Q2 202578$70.0M12.27%0.27%0.80%68.8%
Q1 202577$70.7M11.91%0.19%0.61%67.8%
Q4 202474$71.3M11.67%0.32%0.52%69.5%
Q3 202476$65.7M12.53%0.26%0.57%78.7%

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 ratio12.95%
39th
Problem loans0.31%
68th
Net charge-offs0.37%
34th
Return on assets0.52%
43rd
Loans to deposits66.3%
39th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.4%
60th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Doy Federal Credit UnionCredit union Youngstown, OH85 out of 100, Very strong$70.8M14.1%0.25%vs
Millstream Area Credit UnionCredit union Findlay, OH82 out of 100, Strong$70.8M12.6%0.66%vs
Jeep Country Federal Credit UnionCredit union Holland, OH53 out of 100, Below average$72.1M15.1%3.66%vs
Lan-Fair Federal Credit UnionCredit union Lancaster, OH69 out of 100, Moderate$72.9M10.0%0.37%vs
Educational Community Alliance Credit UnionCredit union Toledo, OH77 out of 100, Strong$68.9M11.3%0.14%vs
Integrity Federal Credit UnionCredit union Barberton, OH74 out of 100, Strong$73.4M9.8%0.42%vs

Deposit insurance

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

Kh 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, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.95%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Kh Credit Union, Inc. lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Kh Credit Union, Inc.
Type
Non-federally insured state credit union
NCUA charter #
97113
RSSD ID
868488
Primary regulator
State + NCUA
Established
1964
Headquarters
7740 Paragon Rd, Dayton, OH 45459
Employees
16

Quick answers

Kh Credit Union, Inc.: common questions

Is Kh Credit Union, Inc. NCUA insured?

Kh 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 Kh Credit Union, Inc.'s TellerScore?

79 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 Kh Credit Union, Inc. have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Dayton

InstitutionScoreAssetsCapitalProblem loansCompare
Members Trust Federal Credit UnionCredit union Mason, OH87 out of 100, Very strong$23.4M19.1%0.05%vs
Middletown Area Schools Credit UnionCredit union Middletown, OH84 out of 100, Strong$11.3M15.2%1.09%vs
Day Air Credit UnionCredit union Kettering, OH82 out of 100, Strong$908.8M14.6%0.96%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