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Overview / Commentary
531 5th St
Parkersburg, WV 26101

One Community Credit Union is headquartered in Parkersburg and is the 12st largest credit union in the state of West Virginia. It is also the 1,908th largest credit union in the nation. It was established in 1958 and as of March of 2014, it had grown to 15 employees and 7,106 members. One Community Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work or worship in Wood County, West Virginia. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. One Community Credit Union has a relatively low asset base.

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 One Community Credit Union had $38,000 in non-current loans and owned real-estate with $6.37 million in equity and loan loss allowances on hand to cover it. This gives One Community Credit Union a Texas Ratio of 0.60% 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 One Community Credit Union decreased dramatically from 2.39% as of March 31, 2013 to 0.60% as of March 31, 2014, resulting in a positive change of 75.01%.This indicates that the balance sheet and financial strength for One Community Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, One Community Credit Union has increased its total deposits by $1.44 million, resulting in 2.31% 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 One Community 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. One Community Credit Union has $69.92 million in assets with $6.37 million in equity, resulting in a capitalization level of 9.11%, which is average.

Institution Statistics

NCUA #12143
Year Chartered1958
Primary Regulator
Assets and Liabilities
Assets$69.92 million
Loans$39.14 million
Deposits$63.76 million
Equity Capital$5.89 million
Loan Loss Allowance$478,000
Unbacked Noncurrent Loans$38,000
Real Estate Owned$0
Historic Data - March 2013
Assets$68.59 million
Equity Capital$5.79 million
Loan Loss Allowance$491,000
Unbacked Noncurrent Loans$38,000
Real Estate Owned$118,000
Profit Margin - Quarterly
Return on Assets0.2%
Return on Equity2.38%
Interest Income$521,000
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One Community Credit Union Savings Account Rates

0.20%$10k-Savings Account
0.20%$10k-Christmas Club Account
0.20%$10k-Vacation Club Account
0.20%$10k-IRA Savings Account

One Community Credit Union CD Rates

1.00%$500-5 Year Share CD
0.90%$500-4 Year Share CD
0.75%$500-3 Year Share CD
0.50%$500-2 Year Share CD
0.35%$500-1 Year Share CD
0.25%$500-6 Month Share CD

One Community Credit Union IRA Rates

1.00%$500-5 Year IRA
0.90%$500-4 Year IRA
0.75%$500-3 Year IRA
0.50%$500-2 Year IRA
0.35%$500-1 Year IRA

One Community Credit Union Locations
Branch Office531 5th StParkersburg, WV 26101
Branch Office200 3rd StParkersburg, WV 26106-5312