OCPS Federal Credit Union

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Overview / Commentary

www.ocpsfcu.virtualcu.net

304-243-0499

280 Fulton St
Wheeling, WV 26003

OCPS Federal Credit Union is headquartered in WHEELING and is the 68^th largest credit union in the state of West Virginia. It is also the 4,801^st largest credit union in the nation. It was established in 1970 and as of March of 2017, it had grown to 2 employees and 859 members at 1 location. OCPS Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be an employee of the Ohio County Board of Education, RESA VI employee, any organization associated with the Ohio County Board of Education or an immediate family member.
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Health

C+

Data as of Q1 2017

Learn why bank health matters

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. OCPS Federal Credit Union has a very low asset base, and a negative return on assets.

Health Grade Components

Overall
NCUA #	19881
Year Chartered	1970
Employees	2
Primary Regulator

Profit Margin
Return on Assets - YTD	-3.01%
Return on Equity - YTD	-20.23%
Annual Interest Income	$37.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$5.2MM$5.8MM
Loans	Q1 2017vs Q1 2016	$1.6MM$1.4MM
Deposits	Q1 2017vs Q1 2016	$4.4MM$4.9MM
Equity Capital	Q1 2017vs Q1 2016	$771.00K$938.00K
Loan Loss Allowance	Q1 2017vs Q1 2016	$39.00K$12.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$48.00K$28.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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Savings

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

OCPS Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%^*	$10k^*	$10m	Regular Shares Account
OTHER TIERS: 0.05% → Up to $3k \| 0.30% → $3k - $10k
0.25%	-	-	Christmas Club Account
0.25%	-	-	Vacation Club Account

Locations

OCPS Federal Credit Union Locations
Branch Office	280 FULTON ST	WHEELING, WV 26003