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P.O. Box 476
Athens, OH 45701

Ohio University Credit Union is headquartered in ATHENS and is the 17st largest credit union in the state of Ohio. It is also the 701st largest credit union in the nation. It was established in 1955 and as of December of 2013, it had grown to 73 employees and 23,459 members. Ohio University Credit Union's savings rates are 54% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an employee, student or alumni of Ohio University or Hocking College or be an employee of one of the Select Employer Groups. - See Details

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Data for Q4 2013

Institution Health


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, 2013 Ohio University Credit Union had $3.61 million in non-current loans and owned real-estate with $30.13 million in equity and loan loss allowances on hand to cover it. This gives Ohio University Credit Union a Texas Ratio of 11.97% 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 experienced no significant changes from 9.21% as of December 31, 2012 to 11.97% as of December 31, 2013, resulting in a negative change of 29.95%. This indicates that the balance sheet and financial strength for Ohio University Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Ohio University Credit Union has increased its total deposits by $830,000, resulting in 0.33% 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 above average.



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 $288.14 million in assets with $30.13 million in equity, resulting in a capitalization level of 10.46%, which is above average.

Institution Statistics

NCUA #61048
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$288.14 million
Loans$190.12 million
Deposits$255.33 million
Equity Capital$27.89 million
Loan Loss Allowance$2.25 million
Unbacked Noncurrent Loans$3.53 million
Real Estate Owned$78,000
Historic Data - December 2012
Assets$284.42 million
Equity Capital$27.07 million
Loan Loss Allowance$2.49 million
Unbacked Noncurrent Loans$3.53 million
Real Estate Owned$178,000
Profit Margin - Quarterly
Net Interest Margin4.07%
Return on Assets0.48%
Return on Equity4.92%
Interest Income$9.93 million
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Ohio University Credit Union Savings Account Rates

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 Checking Account Rates

0.10%$500-Dividend Checking

Ohio University Credit Union CD Rates

1.25%$500-58 Month Share Certificate Special
1.00%$500-60 Month Share Certificate
0.85%$500-48-59 Month Share Certificate
0.65%$500-36-47 Month Share Certificate
0.60%$500-32 Month Share Certificate Special
0.50%$500-30-35 Month Share Certificate
0.40%$500-24-29 Month Share Certificate
0.30%$500-18-23 Month Share Certificate
0.30%$500-13 Month Share Certificate Special
0.25%$500-12-17 Month Share Certificate
0.10%$500-6-11 Month Share Certificate
0.05%$500-3-5 Month Share Certificate

Ohio University Credit Union IRA Rates

1.50%$500-50-60 Month IRA Certificate Special (Traditional,Roth,CESA)
1.25%$500-58 Month IRA Certificate Special (Traditional,CESA,Roth)
1.00%--12 Month Easy Save IRA Certificate (Traditional,Roth,CESA)
1.00%$500-60 Month IRA Certificate (Traditional,Roth,CESA)
0.85%$500-48-59 Month IRA Certificate (Traditional,Roth,CESA)
0.65%$500-36-47 Month IRA Certificate (Traditional,Roth,CESA)
0.60%$500-32 Month IRA Certificate Special (Traditional,Roth,CESA)
0.50%$500-30-35 Month IRA Certificate (Traditional,Roth,CESA)
0.40%$500-24-29 Month IRA Certificate (Traditional,Roth,CESA)
0.30%$500-18-23 Month IRA Certificate (Traditional,Roth,CESA)
0.30%$500-13 Month IRA Certificate Special (Traditional,CESA,Roth)
0.25%$500-12-17 Month IRA Certificate (Traditional,Roth,CESA)
0.10%$500-6-11 Month IRA Certificate (Traditional,Roth,CESA)
0.05%$500-3-5 Month IRA Certificate (Traditional,Roth,CESA)

Ohio University Credit Union Locations
Branch Office90 S Shafer StAthens, OH 45701-2309
Branch Office944 E State StAthens, OH 45701