Federal credit union · SPRINGFIELD, Ohio · NCUA charter #97104
Ih Credit Union, Inc.
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $356.0M
- Total assets
- 20,040
- Members
- 15.8%
- Net-worth ratio
Ih Credit Union, Inc. scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $356.0M; members 20,040; net-worth ratio 15.85%; health rank #3,584 of 4,374; healthier than 17th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,584 of 4,374 health · 2025Q4Ih Credit Union, Inc. · health 70/100 · $356.0M · 2025Q4
- RANK 70/100
- PHOTO 15.8%
- BOOK 2.02%
- CHARTER 0.33%
- NCUSIF $356.0M
- CAMELS 20,040
- HEALTH #3,584/4,374
- NW TRANSPORTATION
- DELQ 97104
Ih Credit Union, Inc. in the assets neighbourhood
Ih Credit Union, Inc.'s $356.0M assets sit next to TRANSPORTATION ($356.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Ih Credit Union, Inc. vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Ih Credit Union, Inc. - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #97104: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Ih Credit Union, Inc.
- Net Worth Ratio leads the peer set - 15.85% here, 12.11% peer average (+3.74 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.13 pp (2.02% vs 0.89%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for Ih Credit Union, Inc.
- In Ohio, health place is #165 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #28 of 196.
- Member book place in Ohio: #36 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Ih Credit Union, Inc.: 2025Q4 → 2026Q1
Ih Credit Union, Inc.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $356.0M (2025Q4) to $358.7M (2026Q1).
- Net-worth ratio shifted -0.03 pp (15.88% → 15.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 15.85% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.4 pts
- Return on Assets 12.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for Ih Credit Union, Inc.
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.85% | +3.74 pp |
| Delinquency Rate | 2.02% | +1.13 pp |
| Return on Assets | 0.33% | -0.29 pp |
| Member Growth | -7.36% | - |
| Loan-to-Share Ratio | 75.08% | +2.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Ih Credit Union, Inc.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $358.7M | - |
| 2025Q4 | $356.0M | 20,040 |
| 2024Q4 | $341.6M | 21,633 |
| 2023Q4 | $358.2M | 23,272 |
Credit Union Details
- Charter Number
- 97104
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- SPRINGFIELD
- Data Quarter
- 2025Q4
Branch Locations (5)
Ih Credit Union, Inc. operates 5 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| IH Credit Union (Main Office) | Springfield, OH |
| Fairfield Rd branch | Beavercreek, OH |
| Leffel Lane Branch | Springfield, OH |
| 1st Street Branch | Springfield, OH |
| branch office | urbana, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Ih Credit Union, Inc.
Two NCUA Call Report peer sets for Ih Credit Union, Inc., both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($356.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Ih Credit Union, Inc. ranks #3,584 of 4,374 nationally on financial health and #165 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Firefighters Community Cu is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Firefighters Community Cu
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Ih Credit Union, Inc. financially healthy?
Ih Credit Union, Inc. scores 70/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,584 of 4,374; by total assets it ranks #937 of 4,374 nationally (same basis as /rankings/largest); and #28 of 196 within Ohio. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.85% net worth ratio and a 2.02% delinquency rate.
How does Ih Credit Union, Inc. compare to other credit unions?
PlainCU's health composite puts Ih Credit Union, Inc. at 70/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Ih Credit Union, Inc.?
Membership eligibility for Ih Credit Union, Inc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Ih Credit Union, Inc. directly for current membership requirements and application steps.
Is my money safe at Ih Credit Union, Inc.?
Federal credit unions like Ih Credit Union, Inc. are 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. Ih Credit Union, Inc.'s net worth ratio of 15.85% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ih Credit Union, Inc. offer compared to banks?
Credit unions like Ih Credit Union, Inc. are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Ih Credit Union, Inc. directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.