Franklin-Oil Region Credit Union


Overview / Commentary
814-432-4091
101 North 13th St
Franklin, PA 16323

Franklin-Oil Region Credit Union is headquartered in Franklin and is the 144th largest credit union in the state of Pennsylvania. It is also the 2,755th largest credit union in the nation. It was established in 1974 and as of December of 2023, it had grown to 15 employees and 5,990 members at 2 locations. Franklin-Oil Region Credit Union has a B health rating.

Field of Membership Restrictions

Franklin-Oil Region Credit Union is open to anyone who lives, works, worships, volunteers, attends school, or owns a business in Venango County, Pennsylvania.
See current membership details

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Health
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. Franklin-Oil Region Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #65356
Year Chartered1974
Employees15
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD4.82%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$36.7MM$39MM
LoansQ4 2023vs Q4 2022$22.2MM$21.7MM
DepositsQ4 2023vs Q4 2022$31.1MM$33.6MM
Equity CapitalQ4 2023vs Q4 2022$5.5MM$5.2MM
Loan Loss AllowanceQ4 2023vs Q4 2022$170K$335K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$215K$287K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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Franklin-Oil Region Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$5$5kChristmas Club
0.35%$5$5kVacation Club
0.15%$150-Regular Share Account
0.15%$25-Juvenile Account
0.15%$150-Share Account
0.15%$500-IRA Share Account
0.15%$25-Smart Saver
0.15%$25-Live & Learn
0.15%$150-Business - DBA w/ Soc.Sec.#
0.15%$250-Live & Learn IRA Share

Franklin-Oil Region Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.10%$500-13 Month CD
2.50%$500-60 Month CD
2.25%$500-48 Month CD
2.00%$500-36 Month CD
1.75%$500-24 Month CD
1.50%$500-18 Month CD
0.75%$500-60-365 Day CD

Franklin-Oil Region Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.10%$500-395 Day IRA
2.50%$500-5 Year IRA
Locations


Franklin-Oil Region Credit Union Locations
Branch Office25 E 1st StOil City, PA 16301
Branch Office101 N 13th STFranklin, PA 16323-2343

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