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 66^th largest credit union in the state of West Virginia. It is also the 4,774^th largest credit union in the nation. It was established in 1970 and as of June of 2016, it had grown to 1 employees and 886 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 Q2 2016

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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. OCPS Federal Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #	19881
Year Chartered	1970
Employees	1
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.93%
Return on Equity - YTD	-5.98%
Annual Interest Income	$71.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$5.9MM$6.1MM
Loans	Q2 2016vs Q2 2015	$1.6MM$1.4MM
Deposits	Q2 2016vs Q2 2015	$5.0MM$5.0MM
Equity Capital	Q2 2016vs Q2 2015	$903.00K$922.00K
Loan Loss Allowance	Q2 2016vs Q2 2015	$29.00K$6.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$85.00K$37.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$0

Rates

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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