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
Ih Credit Union, Inc. in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Ih Credit Union, Inc. sits in 70-74 with 317 others.
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
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%).
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.
- One place up in Ohio, WES (#164) scores 71/100, 1 point higher; one place down, Universal 1 (#166) scores 67/100, 3 points lower.
Ih Credit Union, Inc.: 2025Q4 → 2026Q1
Ih Credit Union, Inc.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $356.0M (2025Q4) to $358.7M (2026Q1).
- Net-worth ratio shifted -0.03 pp (15.88% → 15.85%).
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
Ih Credit Union, Inc. gives up 30 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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.
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
Frequently Asked Questions
Is Ih Credit Union, Inc. financially healthy?
Ih Credit Union, Inc. has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,584 of 4,374 nationally on health and #165 of 196 in Ohio. Its net worth ratio is 15.85% and its delinquency rate 2.02%.
How does Ih Credit Union, Inc. compare to other credit unions?
Ih Credit Union, Inc. scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (15.85% vs 12.11%). Its widest shortfall is delinquency rate (2.02% vs 0.89%).
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.?
Ih Credit Union, Inc. 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. Ih Credit Union, Inc.'s net worth ratio of 15.85% 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.