Ohio Valley Community Credit Union

Ohio Valley Community Credit Union is headquartered in Clarington and is the 47^th largest credit union in the state of Ohio. It is also the 1,240^th largest credit union in the nation. It was established in 1960 and as of March of 2013, it had grown to 25 employees and 14,244 members. Ohio Valley Community Credit Union has a 4-star health rating.

Ohio Valley Community Credit Union Routing Number: 243278534

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Data for Q1 2013

Institution Statistics OHIO VALLEY COMMUNITY NCUA # 60913 BankRate Report View Year Chartered 1960 Employees 25 Primary Regulator Assets and Liabilities Assets $131.27 million Loans $57.93 million Deposits $120.88 million Equity Capital $10.17 million Loan Loss Allowance $129,000 Unbacked Noncurrent Loans $895,000 Historic Data - March 2012 Assets $114.59 million Equity Capital $10.00 million Loan Loss Allowance $61,000 Unbacked Noncurrent Loans $616,000 Profit Margin - Quarterly Net Interest Margin 1.11% Return on Assets 0.01% Return on Equity 0.16% Interest Income $858,000 Non-Interest Income $259,000

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 March 31, 2013 Ohio Valley Community Credit Union had $895,000 in non-current loans and owned real-estate with $10.3 million in equity and loan loss allowances on hand to cover it. This gives Ohio Valley Community Credit Union a Texas Ratio of 8.69% 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 Valley Community Credit Union held steady from 6.13% as of March 31, 2012 to 8.69% as of March 31, 2013, resulting in a negative change of 41.85%. This indicates that the balance sheet and financial strength for Ohio Valley Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Ohio Valley Community Credit Union has increased its total deposits by $16.46 million, resulting in 15.77% 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 Valley Community 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 Valley Community Credit Union has $131.27 million in assets with $10.3 million in equity, resulting in a capitalization level of 7.85%, which is below average.

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