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Overview / Commentary
217 Xenia Ave
Yellow Springs, OH 45387

YS Federal Credit Union is headquartered in Yellow Springs and is the 164th largest credit union in the state of Ohio. It is also the 3,434th largest credit union in the nation. It was established in 1948 and as of September of 2017, it had grown to 3 employees and 1,940 members at 1 location. YS Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Greene County, Ohio.
See current membership details


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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. YS Federal Credit Union has a low asset base.

Health Grade Components

NCUA #5732
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD2.28%
Annual Interest Income$368.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$19.6MM$17.8MM
LoansQ3 2017vs Q3 2016$9.8MM$9.3MM
DepositsQ3 2017vs Q3 2016$17.7MM$16.0MM
Equity CapitalQ3 2017vs Q3 2016$1.7MM$1.7MM
Loan Loss AllowanceQ3 2017vs Q3 2016$24.00K$13.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$14.00K$3.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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YS Federal Credit Union Savings Account Rates

0.03%--Regular Share

YS Federal Credit Union Money Market Rates

0.16%$1k-Money Market

YS Federal Credit Union CD Rates

1.18%$500$5k36 Month Share Certificate Special (relationship or new money)
0.35%$500-36 Month Share Certificate
0.25%$500-24 Month Share Certificate
0.15%$500-12 Month Share Certificate
0.15%$500-18 Month Share Certificate
0.05%$500-3 Month Share Certificate
0.05%$500-6 Month Share Certificate

YS Federal Credit Union Locations
Branch Office217 Xenia AveYellow Springs, OH 45387