Overview / Commentary
1186 Old Lower River Rd Nw
Charleston, TN 37310

O.M.C. Employees' Credit Union is headquartered in Charleston and is the 76th largest credit union in the state of Tennessee. It is also the 2,999th largest credit union in the nation. It was established in 1969 and as of June of 2018, it had grown to 6 employees and 1,995 members at 1 location. O.M.C. Employees' Credit Union's CD rates are 39% 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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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

NCUA #67946
Year Chartered1969
Primary Regulator
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD8.04%
Annual Interest Income$353.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$28.1MM$27.8MM
LoansQ2 2018vs Q2 2017$16.5MM$16.1MM
DepositsQ2 2018vs Q2 2017$25.2MM$25.0MM
Equity CapitalQ2 2018vs Q2 2017$2.6MM$2.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$68.00K$80.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.00K$0
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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O.M.C. Employees' Credit Union Savings Account Rates

1.00%--Floating IRA
0.20%--Christmas Club
0.20%--Vacation Club

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

0.10%--Share Drafts

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

1.60%$1.5k-36 Month Share Certificate
1.50%$1.5k-24 Month Share Certificate
1.40%$1.5k-18 Month Share Certificate
1.25%$1.5k-12 Month Share Certificate
0.95%$1k-6 Month Share Certificate

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

1.50%$1.5k-24 Month IRA Certificate
1.40%$1.5k-18 Month IRA Certificate
1.25%$1.5k-12 Month IRA Certificate

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

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