Overview / Commentary
423-336-4331
1186 Old Lower River Rd Nw
Charleston, TN 37310

O.M.C. Employees' Credit Union is headquartered in Charleston and is the 75th largest credit union in the state of Tennessee. It is also the 2,950th largest credit union in the nation. It was established in 1969 and as of December of 2018, it had grown to 6 employees and 1,994 members at 1 location. O.M.C. Employees' Credit Union's CD rates are 44% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to employees of Olin Corporation or Lonza and their family.
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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. O.M.C. Employees' Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #67946
Year Chartered1969
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0%
Return on Equity - YTD0%
Annual Interest Income$732.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$28.3MM$27.3MM
LoansQ4 2018vs Q4 2017$16.6MM$16.8MM
DepositsQ4 2018vs Q4 2017$25.5MM$24.5MM
Equity CapitalQ4 2018vs Q4 2017$2.5MM$2.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$68.00K$70.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$11.00K$10.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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O.M.C. Employees' Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%--Floating IRA
0.20%--Shares
0.20%--Christmas Club
0.20%--Vacation Club

O.M.C. Employees' Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Share Drafts

O.M.C. Employees' Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.70%$1.5k-36 Month Share Certificate
1.60%$1.5k-24 Month Share Certificate
1.45%$1.5k-18 Month Share Certificate
1.30%$1.5k-12 Month Share Certificate
1.00%$1k-6 Month Share Certificate

O.M.C. Employees' Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%$1.5k-24 Month IRA Certificate
1.45%$1.5k-18 Month IRA Certificate
1.30%$1.5k-12 Month IRA Certificate
Locations


O.M.C. Employees' Credit Union Locations
Branch Office1186 Old Lower River Rd NWCharleston, TN 37310

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