Federal credit union · Dayton, Ohio · NCUA charter #97113
Kh Credit Union, Inc.
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $69.7M
- Total assets
- 7,826
- Members
- 13.2%
- Net-worth ratio
Kh Credit Union, Inc. scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $69.7M; members 7,826; net-worth ratio 13.16%; health rank #1,244 of 4,374; healthier than 69th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,244 of 4,374 health · 2025Q4Kh Credit Union, Inc. · health 89/100 · $69.7M · 2025Q4
Call Report peers
Kh Credit Union, Inc. in the assets neighbourhood
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Kh Credit Union, Inc. vs every NCUA-scored credit union
Kh Credit Union, Inc. sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Where Kh Credit Union, Inc. diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +3.55 pp (66.15% vs 62.60%).
- Largest lag: Net Worth Ratio at 13.16% vs peer 13.62% (-0.46 pp).
Kh Credit Union, Inc.: in-state Call Report ranks
- In Ohio, health place is #53 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #93 of 196.
- Membership ranks #74 of 196 among Ohio CUs with a reported count (7,826 members).
- One place up in Ohio, State Highway Patrol (#52) ties at 89/100; one place down, Seven Seventeen (#54) ties at 89/100.
Kh Credit Union, Inc. Call Report trajectory
Kh Credit Union, Inc.: total assets by quarter
2024Q4 to 2026Q1, NCUA 5300
- Assets moved -0.5% from $69.7M (2025Q4) to $69.4M (2026Q1).
- Net-worth ratio shifted +0.22 pp (12.94% → 13.16%).
This credit union's 13.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Kh Credit Union, Inc. gives up 11 points in total. Member Growth costs the most, 10 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 14.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.16% | -0.46 pp |
| Delinquency Rate | 0.49% | -0.47 pp |
| Return on Assets | 0.53% | -0.13 pp |
| Member Growth | -2.21% | - |
| Loan-to-Share Ratio | 66.15% | +3.55 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $69.4M | - |
| 2025Q4 | $69.7M | 7,826 |
| 2024Q4 | $71.3M | 8,003 |
Credit Union Details
- Charter Number
- 97113
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Dayton
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Kh Credit Union, Inc..
| Office | City |
|---|---|
| Paragon Road Branch (Main Office) | Dayton, 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.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Kh Credit Union, Inc. ranks #1,244 of 4,374 nationally on financial health and #53 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DOY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DOY
Frequently Asked Questions
Is Kh Credit Union, Inc. financially healthy?
On its 2025Q4 NCUA 5300 filing, Kh Credit Union, Inc. scores 89/100 (Excellent), with a 13.16% net worth ratio and 0.49% of loans delinquent. It ranks #1,244 of 4,374 nationally on health and #53 of 196 in Ohio.
How does Kh Credit Union, Inc. compare to other credit unions?
Kh Credit Union, Inc. scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (66.15% vs 62.60%). Its widest shortfall is net worth ratio (13.16% vs 13.62%).
How can I join Kh Credit Union, Inc.?
Membership eligibility for Kh 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 Kh Credit Union, Inc. directly for current membership requirements and application steps.
Is my money safe at Kh Credit Union, Inc.?
Kh 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. Kh Credit Union, Inc.'s net worth ratio of 13.16% 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.