C&O United Credit Union

Overview / Commentary

859-331-3447

3029 Dixie Hwy
Edgewood, KY 41017

C&O United Credit Union is headquartered in Edgewood and is the 40^th largest credit union in the state of Kentucky. It is also the 3,576^th largest credit union in the nation. It was established in 1928 and as of December of 2018, it had grown to 5 employees and 3,582 members at 4 locations. C&O United Credit Union's CD rates are 39% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

C&O United Credit Union membership is open to: (1) those who reside, work, or worship in the following Kentucky counties: Carroll, Campbell, Boone, Gallatin, Kenton, Grant, Pendleton, or Owen (2) are an employee (current or retired) of one of the select employer groups - organizations include Ameriserv, Health South, and Emerge Technologies, LLC (a complete list of companies can be found on the credit union's website) and (3) immediate family.
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Health

Data as of Q4 2018

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. C&O United Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	62587
Year Chartered	1928
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	0.54%
Return on Equity - YTD	4.76%
Annual Interest Income	$519.00K

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$16.1MM$16.0MM
Loans	Q4 2018vs Q4 2017	$4.7MM$4.8MM
Deposits	Q4 2018vs Q4 2017	$14.2MM$14.1MM
Equity Capital	Q4 2018vs Q4 2017	$1.8MM$1.7MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$23.00K$24.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$45.00K$104.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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C&O United Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%	-	-	60 Month Share Certificate
2.25%	-	-	36 Month Share Certificate
2.25%	-	-	48 Month Share Certificate
1.50%	-	-	24 Month Share Certificate
1.25%	-	-	12 Month Share Certificate
0.75%	-	-	3 Month Share Certificate
0.75%	-	-	6 Month Share Certificate
0.75%	-	-	9 Month Share Certificate

Locations

C&O United Credit Union Locations
Branch Office	1410 Charlestown New Albany Rd	Jeffersonville, IN 47130-9618
Branch Office	9855 Crosspoint Blvd Ste 142	Indianapolis, IN 46256-3353
Branch Office	3029 Dixie Hwy	Edgewood, KY 41017
Branch Office	33 Kenton Lands Rd	Erlanger, KY 41018-1878

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