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Overview / Commentary
937-767-7377
217 Xenia Ave
Yellow Springs, OH 45387

YS Federal Credit Union is headquartered in Yellow Springs and is the 163rd largest credit union in the state of Ohio. It is also the 3,435th largest credit union in the nation. It was established in 1948 and as of June of 2017, it had grown to 4 employees and 1,968 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.
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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. YS Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #5732
Year Chartered1948
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.09%
Return on Equity - YTD1.07%
Annual Interest Income$238.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$20.1MM$17.4MM
LoansQ2 2017vs Q2 2016$9.6MM$9.4MM
DepositsQ2 2017vs Q2 2016$18.3MM$15.7MM
Equity CapitalQ2 2017vs Q2 2016$1.7MM$1.7MM
Loan Loss AllowanceQ2 2017vs Q2 2016$20.00K$13.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$31.00K$8.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$0
Rates
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YS Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%--Regular Share

YS Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.16%$1k-Money Market

YS Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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