Federal credit union · Chillicothe, Ohio · NCUA charter #5741
CHIVAHO
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $36.7M
- Total assets
- 2,235
- Members
- 14.0%
- Net-worth ratio
CHIVAHO scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.7M; members 2,235; net-worth ratio 14.04%; health rank #2,845 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,845 of 4,374 health · 2025Q4CHIVAHO · health 79/100 · $36.7M · 2025Q4
Call Report peers
CHIVAHO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CHIVAHO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CHIVAHO sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where CHIVAHO diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.76% vs peer 1.15% (-0.39 pp).
- Largest lag: Loan-to-Share Ratio at 48.75% vs peer 59.80% (-11.05 pp).
Ohio standing for CHIVAHO
- Ohio health ordinal: #131 of 196.
- Ohio assets place: #121 of 196.
- Ohio membership ordinal: #143 of 196.
- One place up in Ohio, North Coast Credit Union (#130) ties at 79/100; one place down, Valley One Community (#132) ties at 79/100.
How CHIVAHO's 5300 filing moved
CHIVAHO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $36.7M (2025Q4) to $36.9M (2026Q1).
- Net-worth ratio shifted +0.13 pp (13.91% → 14.04%).
14.04% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
CHIVAHO gives up 21 points in total. Member Growth costs the most, 13.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.4 pts
- Return on Assets 15.0 pts
- Member Growth 1.2 pts
- Loan-to-Share Ratio 10.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.04% | -0.82 pp |
| Delinquency Rate | 0.76% | -0.39 pp |
| Return on Assets | 0.50% | -0.20 pp |
| Member Growth | -4.32% | - |
| Loan-to-Share Ratio | 48.75% | -11.05 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
CHIVAHO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $36.9M | - |
| 2025Q4 | $36.7M | 2,235 |
| 2024Q4 | $35.0M | 2,336 |
| 2023Q4 | $34.4M | 2,406 |
Credit Union Details
- Charter Number
- 5741
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Chillicothe
- Data Quarter
- 2025Q4
Branch Locations (2)
CHIVAHO operates 2 offices in Chillicothe, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Chivaho Federal Credit Union (Main Office) | Chillicothe, OH |
| Chivaho FCU | Chillicothe, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Other-state peers near CHIVAHO
Using this data
- CHIVAHO ranks #2,845 of 4,374 nationally on financial health and #131 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Softite Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Softite Community
Frequently Asked Questions
Is CHIVAHO financially healthy?
On its 2025Q4 NCUA 5300 filing, CHIVAHO scores 79/100 (Very Good), with a 14.04% net worth ratio and 0.76% of loans delinquent. It ranks #2,845 of 4,374 nationally on health and #131 of 196 in Ohio.
How does CHIVAHO compare to other credit unions?
CHIVAHO scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.76% vs 1.15%). Its widest shortfall is loan-to-share ratio (48.75% vs 59.80%).
How can I join CHIVAHO?
CHIVAHO operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CHIVAHO directly for the exact boundaries and application steps.
Is my money safe at CHIVAHO?
CHIVAHO is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CHIVAHO's net worth ratio of 14.04% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.