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Overview / Commentary
52775 Boston Hill Rd
Clarington, OH 43915

Ohio Valley Community Credit Union is headquartered in Clarington and is the 45th largest credit union in the state of Ohio. It is also the 1,220th largest credit union in the nation. It was established in 1960 and as of March of 2014, it had grown to 27 employees and 13,961 members. Ohio Valley Community Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to anyone who lives, works, attends school or worships in Belmont, Monroe and Washington counties in Ohio. OVCCU also serves many different Select employer Groups (SEG's). - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Ohio Valley Community Credit Union had $799,000 in non-current loans and owned real-estate with $10.39 million in equity and loan loss allowances on hand to cover it. This gives Ohio Valley Community Credit Union a Texas Ratio of 7.69% which is excellent. 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 decreased slightly from 8.69% as of March 31, 2013 to 7.69% as of March 31, 2014, resulting in a positive change of 11.50%.This indicates that the balance sheet and financial strength for Ohio Valley Community Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Ohio Valley Community Credit Union has increased its total deposits by $6.96 million, resulting in 5.76% 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.



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 $138.25 million in assets with $10.39 million in equity, resulting in a capitalization level of 7.52%, which is below average.

Institution Statistics

NCUA #60913
Year Chartered1960
Primary Regulator
Assets and Liabilities
Assets$138.25 million
Loans$56.89 million
Deposits$127.84 million
Equity Capital$10.18 million
Loan Loss Allowance$212,000
Unbacked Noncurrent Loans$799,000
Real Estate Owned$0
Historic Data - March 2013
Assets$131.27 million
Equity Capital$10.17 million
Loan Loss Allowance$129,000
Unbacked Noncurrent Loans$799,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.06%
Return on Assets0.21%
Return on Equity2.91%
Interest Income$845,000
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Ohio Valley Community Credit Union Savings Account Rates

0.10%--Christmas Club

Ohio Valley Community Credit Union Money Market Rates

0.17%$100k-Money Market

Ohio Valley Community Credit Union CD Rates

0.95%$1k-60 Month Share Certificate
0.75%$1k-48 Month Share Certificate
0.55%$1k-36 Month Share Certificate
0.45%$1k-24 Month Share Certificate
0.45%$1k-30 Month Share Certificate
0.35%$1k-18 Month Share Certificate
0.30%$1k-12 Month Share Certificate
0.30%$1k-13 Month Share Certificate
0.20%$1k-3 Month Share Certificate
0.20%$1k-6 Month Share Certificate

Ohio Valley Community Credit Union IRA Rates

0.95%$500-60 Month IRA Certificate
0.75%$500-48 Month IRA Certificate
0.55%$500-36 Month IRA Certificate
0.45%$500-24 Month IRA Certificate
0.45%$500-30 Month IRA Certificate
0.35%$500-18 Month IRA Certificate
0.30%$500-12 Month IRA Certificate
0.30%$500-13 Month IRA Certificate
0.20%$500-6 Month IRA Certificate

Ohio Valley Community Credit Union Locations
Branch Office450L Pike St Ste LMarietta, OH 45750
Branch Office112 Ferry StClarington, OH 43915
Branch Office107 Plaza Dr Ste TSaint Clairsville, OH 43950-8735
Branch Office52775 Boston Hill RdClarington, OH 43915
Branch Office700 Lewisville RdWoodsfield, OH 43793