TellerScore

Kyger Creek Credit Union (NCUA charter #96737) is based in Cheshire, Ohio. Its Q2 2026 call report shows $20.9M in total assets and $16.9M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Kyger Creek Credit Union scores 84/100, which we describe as strong. That is higher than 75% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 35th. Its strongest component is capital cushion (100/100; 18.92%), and its lowest is earnings (48/100; 0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.92%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.60%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity97/100
Loans ÷ shares: 62.8% · 0.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.62%

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 4 points (80 → 84), mostly because the loan quality component improved by 20 points.

TellerScore
727985Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202472
Q3 202481
Q4 202480
Q1 202584
Q2 202580
Q3 202585
Q4 202581
Q1 202681
Q2 202684
Net worth ratio
7.00%13.40%19.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202418.94%
Q3 202419.25%
Q4 202419.30%
Q1 202519.16%
Q2 202519.37%
Q3 202519.81%
Q4 202519.36%
Q1 202619.36%
Q2 202618.92%
Delinquent loans (60+ days)
0.53%1.13%1.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.74%
Q3 20240.77%
Q4 20240.89%
Q1 20250.53%
Q2 20251.20%
Q3 20250.79%
Q4 20251.04%
Q1 20261.04%
Q2 20260.60%
Return on assets
0.52%0.75%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.52%
Q3 20240.61%
Q4 20240.55%
Q1 20250.64%
Q2 20250.87%
Q3 20250.97%
Q4 20250.86%
Q1 20260.78%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$20.9M18.92%0.60%0.70%62.8%
Q1 202681$20.3M19.36%1.04%0.78%60.7%
Q4 202581$20.1M19.36%1.04%0.86%62.5%
Q3 202585$19.5M19.81%0.79%0.97%62.6%
Q2 202580$19.6M19.37%1.20%0.87%61.7%
Q1 202584$19.6M19.16%0.53%0.64%59.4%
Q4 202480$19.3M19.30%0.89%0.55%61.4%
Q3 202481$19.2M19.25%0.77%0.61%64.1%
Q2 202472$19.3M18.94%1.74%0.52%62.8%

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 ratio18.92%
74th
Problem loans0.60%
54th
Net charge-offs0.07%
60th
Return on assets0.70%
53rd
Loans to deposits62.8%
44th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.6%
57th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Dn Community Federal Credit UnionCredit union Canton, OH78 out of 100, Strong$19.8M10.2%0.35%vs
Genesis Employees Credit UnionCredit union Zanesville, OH80 out of 100, Strong$22.2M14.4%1.61%vs
Steel Valley Federal Credit UnionCredit union Cleveland, OH34 out of 100, Low$22.3M9.5%5.13%vs
Cincinnati Healthcare Associates Federal Credit UnionCredit union Cincinnati, OH87 out of 100, Very strong$19.2M15.3%0.67%vs
Ashland Community Federal Credit UnionCredit union Ashland, OH84 out of 100, Strong$23.1M12.3%0.10%vs
Members Trust Federal Credit UnionCredit union Mason, OH87 out of 100, Very strong$23.4M19.1%0.05%vs

Deposit insurance

Is my money safe at Kyger Creek Credit Union?

Kyger Creek Credit Union 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 18.92%, 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

Kyger Creek Credit Union lists 1 office in 1 city. Most locations:

  • Cheshire, OH (1)

All branch addresses and map

Identity & history

Profile

Legal name
Kyger Creek Credit Union
Type
Non-federally insured state credit union
NCUA charter #
96737
RSSD ID
210199
Primary regulator
State + NCUA
Headquarters
PO Box 372, Cheshire, OH 45620
Employees
2

Quick answers

Kyger Creek Credit Union: common questions

Is Kyger Creek Credit Union NCUA insured?

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

What is Kyger Creek 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 Kyger Creek Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cheshire

InstitutionScoreAssetsCapitalProblem loansCompare
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
The Hocking Valley BankBank Athens, OH77 out of 100, Strong$354.0M11.4%0.54%vs
The Vinton County National BankBank Mcarthur, OH73 out of 100, Strong$1.6B10.5%0.27%vs
Twin Oaks Federal Credit UnionCredit union Apple Grove, WV68 out of 100, Moderate$6.6M12.4%0.60%vs
Peoples Federal Credit UnionCredit union Nitro, WV68 out of 100, Moderate$130.6M16.5%2.19%vs
Peoples BankBank Marietta, OH67 out of 100, Moderate$9.5B9.7%0.60%vs