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Overview / Commentary
405-685-6200
4301 S INTERSTATE 44 SERVICE RD
OKLAHOMA CITY, OK 73119

U. S. Employees O. C. Credit Union is headquartered in OKLAHOMA CITY and is the 14st largest credit union in the state of Oklahoma. It is also the 1,177th largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 49 employees and 16,208 members. U. S. Employees O. C. Credit Union has a A+ health rating.

Field of Membership Restrictions

Must be an employee of the U.S. Postal Service or Oklahoma City Sectional Center. Also open to Federal employees who work in Oklahoma, Kingfisher, Logan, Cleveland, Grady or Canadian County. - See Details

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

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 U. S. Employees O. C. Credit Union had $524,000 in non-current loans and owned real-estate with $15.17 million in equity and loan loss allowances on hand to cover it. This gives U. S. Employees O. C. Credit Union a Texas Ratio of 3.45% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for U. S. Employees O. C. Credit Union experienced no significant changes from 1.84% as of March 31, 2013 to 3.45% as of March 31, 2014, resulting in a negative change of 87.30%. This indicates that the balance sheet and financial strength for U. S. Employees O. C. Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, U. S. Employees O. C. Credit Union has increased its total deposits by $6.62 million, resulting in 5.4% 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 U. S. Employees O. C. Credit Union has shown is excellent.

Capitalization

GRADE:
B+

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. U. S. Employees O. C. Credit Union has $144.83 million in assets with $15.17 million in equity, resulting in a capitalization level of 10.47%, which is above average.

Institution Statistics

Overall
NCUA #2744
Year Chartered1938
Employees49
Primary Regulator
Assets and Liabilities
Assets$144.83 million
Loans$105.10 million
Deposits$129.25 million
Equity Capital$14.62 million
Loan Loss Allowance$555,000
Unbacked Noncurrent Loans$524,000
Real Estate Owned$0
Historic Data - March 2013
Assets$137.43 million
Equity Capital$13.60 million
Loan Loss Allowance$440,000
Unbacked Noncurrent Loans$524,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin0.98%
Return on Assets0.86%
Return on Equity8.57%
Interest Income$1.31 million
Rates

Always verify rates and promotions with the bank or credit union. We are not U. S. Employees O. C. Credit Union, we are a rate comparison website and can not provide official rates or promotions.

U. S. Employees O. C. Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%--Share Account

U. S. Employees O. C. Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.40%--Money Market Share Account

U. S. Employees O. C. Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%--Share Draft Account

U. S. Employees O. C. Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.50%$500-48 Month CD
1.35%$500-36 Month CD
1.15%$500-24 Month CD
0.90%$500-18 Month CD
0.80%$500-12 Month CD
0.60%$500-6 Month CD

U. S. Employees O. C. Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.50%$500-48 Month IRA
1.35%$500-36 Month IRA
1.15%$500-24 Month IRA
0.90%$500-18 Month IRA
0.80%$500-12 Month IRA
0.60%$500-6 Month IRA
Locations


U. S. Employees O. C. Credit Union Locations
Branch Office2705 NW EXPRESSWAYOKLAHOMA CITY, OK 73112-7047
Branch Office4301 S INTERSTATE 44 SERVICE RDOKLAHOMA CITY, OK 73119
Branch Office301 NW 6TH ST STE 5OKLAHOMA CITY, OK 73102-2811
Branch Office2701 E Imhoff Rd RM C-131NORMAN, OK 73071-1103
Branch Office4025 W RENO AVE RM 1064OKLAHOMA CITY, OK 73125-7701
Branch Office215 DEAN A MCGEE AVE STE 307OKLAHOMA CITY, OK 73102-3423
Branch Office4301 S INTERSTATE 44 SERVICE RDOKLAHOMA CITY, OK 73119
Branch Office215 DEAN A MCGEE AVE STE 307OKLAHOMA CITY, OK 73102-3423