Federal credit union · Cheshire, Ohio · NCUA charter #96737
Kyger Creek
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $20.1M
- Total assets
- 1,520
- Members
- 19.4%
- Net-worth ratio
Kyger Creek scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.1M; members 1,520; net-worth ratio 19.36%; health rank #572 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#572 of 4,374 health · 2025Q4Kyger Creek · health 93/100 · $20.1M · 2025Q4
Call Report peers
Kyger Creek in the assets neighbourhood
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Kyger Creek vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Kyger Creek sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Kyger Creek
- Largest favorable gap: Net Worth Ratio at 19.36% vs peer 14.86% (+4.50 pp).
- Widest shortfall vs peers is Return on Assets: -0.18 pp (0.53% vs 0.70%).
Where Kyger Creek sits in Ohio
- Health composite ranks #19 of 196 among scored Ohio credit unions.
- Ohio assets place: #142 of 196.
- Membership ranks #159 of 196 among Ohio CUs with a reported count (1,520 members).
- One place up in Ohio, Scott Associates (#18) scores 94/100, 1 point higher; one place down, Members Choice (#20) ties at 93/100.
Kyger Creek: 2025Q4 → 2026Q1
Kyger Creek: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $20.1M (2025Q4) to $20.3M (2026Q1).
- Net-worth ratio shifted +0.00 pp (19.36% → 19.36%).
19.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Kyger Creek gives up 7 points in total. Delinquency Rate costs the most, 5.3 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.3 pts
Call Report ratios for Kyger Creek
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.36% | +4.50 pp |
| Delinquency Rate | 1.04% | -0.11 pp |
| Return on Assets | 0.53% | -0.18 pp |
| Member Growth | 22.58% | - |
| Loan-to-Share Ratio | 62.45% | +2.65 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Kyger Creek quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.3M | - |
| 2025Q4 | $20.1M | 1,520 |
| 2024Q4 | $19.3M | 1,240 |
| 2023Q4 | $18.8M | 1,240 |
Credit Union Details
- Charter Number
- 96737
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Cheshire
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Kyger Creek.
| Office | City |
|---|---|
| Kyger Creek Credit Union (Main Office) | Cheshire, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Other-state peers near Kyger Creek
Similar total assets
Similar health score
Using this data
- Kyger Creek ranks #572 of 4,374 nationally on financial health and #19 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dn Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dn Community
Frequently Asked Questions
Is Kyger Creek financially healthy?
On its 2025Q4 NCUA 5300 filing, Kyger Creek scores 93/100 (Excellent), with a 19.36% net worth ratio and 1.04% of loans delinquent. It ranks #572 of 4,374 nationally on health and #19 of 196 in Ohio.
How does Kyger Creek compare to other credit unions?
Kyger Creek scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (19.36% vs 14.86%). Its widest shortfall is return on assets (0.53% vs 0.70%).
How can I join Kyger Creek?
Membership eligibility for Kyger Creek depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Kyger Creek directly for current membership requirements and application steps.
Is my money safe at Kyger Creek?
Kyger Creek 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. Kyger Creek's net worth ratio of 19.36% 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.