Ohio University Credit Union

PO Box 476
Athens, OH 45701
1.800.562.8420
www.oucu.org

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Ohio University Credit Union is headquartered in Athens and is the 17^st largest credit union in the state of Ohio. It is also the 691^st largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 70 employees and 22,813 members. Ohio University Credit Union has a 4-star health rating.

Ohio University Credit Union Routing Number: 244273826

6.00% IRA Savings Account at Ohio University Credit Union - 3/14/2007

Ohio University Credit Union is offering a new product called the Easy Save IRA Account which has a 6% APY that's good through January 2008. It has no minimum requirement. In addition to this IRA special, the credit union has some competitive rates on...

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See Rates for: Checking | Savings | CD | IRA

Ohio University Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$500	-	Dividend Checking

Ohio University Credit Union Savings Account Rates

Apy	Min	Max	Product
0.80%	$250k	-	IRA Money Max Savings
0.75%	$250k	-	Money Max Savings
0.10%	-	-	IRA Passbook
0.10%	-	-	Roth IRA Passbook
0.10%	-	-	Coverdell Education Savings
0.05%	-	-	Regular Share
0.05%	-	-	Christmas Club
0.05%	-	-	Vacation Club

Ohio University Credit Union CD Rates

Apy	Min	Max	Product
1.40%	$500	-	60 Month Share Certificate
1.25%	$500	-	59 Month Share Certificate Special
1.15%	$500	-	48-59 Month Share Certificate
0.85%	$500	-	36-47 Month Share Certificate
0.85%	$500	-	33 Month Share Certificate Special
0.75%	$500	-	30-35 Month Share Certificate
0.65%	$500	-	24-29 Month Share Certificate
0.50%	$500	-	18-23 Month Share Certificate
0.45%	$500	-	16 Month Share Certificate Special
0.40%	$500	-	12-17 Month Share Certificate
0.15%	$500	-	6-11 Month Share Certificate
0.05%	$500	-	3-5 Month Share Certificate

Ohio University Credit Union IRA Rates

Apy	Min	Max	Product
2.00%	$500	-	50-60 Month IRA Certificate Special
2.00%	$500	-	50-60 Month Roth IRA Certificate Special
2.00%	$500	-	50-60 Month CESA Certificate Special
1.40%	$500	-	60 Month IRA Certificate
1.40%	$500	-	60 Month Roth IRA Certificate
1.40%	$500	-	60 Month CESA Certificate
1.25%	$500	-	59 Month CESA Certificate Special
1.25%	$500	-	59 Month IRA Certificate Special
1.25%	$500	-	59 Month Roth IRA Certificate Special
1.15%	$500	-	48-59 Month IRA Certificate
1.15%	$500	-	48-59 Month Roth IRA Certificate
1.15%	$500	-	48-59 Month CESA Certificate
1.00%	-	-	12 Month Easy Save IRA Certificate
1.00%	-	-	12 Month Easy Save Roth IRA Certificate
1.00%	-	-	12 Month Easy Save CESA Certificate
0.85%	$500	-	36-47 Month IRA Certificate
0.85%	$500	-	36-47 Month Roth IRA Certificate
0.85%	$500	-	36-47 Month CESA Certificate
0.85%	$500	-	33 Month CESA Certificate Special
0.85%	$500	-	33 Month IRA Certificate Special
0.85%	$500	-	33 Month Roth IRA Certificate Special
0.75%	$500	-	30-35 Month IRA Certificate
0.75%	$500	-	30-35 Month Roth IRA Certificate
0.75%	$500	-	30-35 Month CESA Certificate
0.65%	$500	-	24-29 Month IRA Certificate
0.65%	$500	-	24-29 Month Roth IRA Certificate
0.65%	$500	-	24-29 Month CESA Certificate
0.50%	$500	-	18-23 Month IRA Certificate
0.50%	$500	-	18-23 Month Roth IRA Certificate
0.50%	$500	-	18-23 Month CESA Certificate
0.45%	$500	-	16 Month IRA Certificate Special
0.45%	$500	-	16 Month Roth IRA Certificate Special
0.45%	$500	-	16 Month CESA Certificate Special
0.40%	$500	-	12-17 Month IRA Certificate
0.40%	$500	-	12-17 Month Roth IRA Certificate
0.40%	$500	-	12-17 Month CESA Certificate
0.15%	$500	-	6-11 Month IRA Certificate
0.15%	$500	-	6-11 Month Roth IRA Certificate
0.15%	$500	-	6-11 Month CESA Certificate
0.05%	$500	-	3-5 Month IRA Certificate
0.05%	$500	-	3-5 Month Roth IRA Certificate
0.05%	$500	-	3-5 Month CESA Certificate

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

OHIO UNIVERSITY
NCUA #	61048
BankRate Report	View
Year Chartered	1955
Employees	70
Primary Regulator
Assets and Liabilities
Assets	$270.21 million
Loans	$172.13 million
Deposits	$241.56 million
Equity Capital	$25.41 million
Loan Loss Allowance	$2.41 million
Unbacked Noncurrent Loans	$2.94 million
Real Estate Owned	$188,000
Historic Data - December 2010
Assets	$256.53 million
Equity Capital	$24.83 million
Loan Loss Allowance	$2.09 million
Unbacked Noncurrent Loans	$1.59 million
Real Estate Owned	$525,000
Profit Margin - Quarterly
Net Interest Margin	4.47%
Return on Assets	0.19%
Return on Equity	2.02%
Interest Income	$10.78 million
Non-Interest Income	$3.30 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Ohio University Credit Union had $3.12 million in non-current loans and owned real-estate with $27.81 million in equity and loan loss allowances on hand to cover it. This gives Ohio University Credit Union a Texas Ratio of 11.23% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Ohio University Credit Union held steady from 7.87% as of December 31, 2010 to 11.23% as of December 31, 2011, resulting in a negative change of 42.72%. This indicates that the balance sheet and financial strength for Ohio University Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Ohio University Credit Union has increased its total deposits by $12.99 million, resulting in 5.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ohio University Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ohio University Credit Union has $270.21 million in assets with $27.81 million in equity, resulting in a capitalization level of 10.29%, which is above average.