TellerScore

Oucu Financial Credit Union, Inc. (NCUA charter #61048) is based in Athens, Ohio. Its Q2 2026 call report shows $526.8M in total assets and $456.7M in member shares and deposits and 5 offices.

Oucu Financial Credit Union, Inc. has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 12% of its 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 164th. Problem-loan coverage contributes the most (84/100, 8.1%); earnings contributes the least (7/100, -0.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.49%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.17%
Earnings7/100
Return on assets (annualized): -0.32%
Funding & liquidity69/100
Loans ÷ shares: 91.1% · 6.9% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.08%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (61 → 55), mostly because the earnings component weakened by 23 points.

TellerScore
556269Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202468
Q4 202469
Q1 202566
Q2 202561
Q3 202560
Q4 202563
Q1 202657
Q2 202655
Net worth ratio
7.00%9.63%12.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.27%
Q3 202412.17%
Q4 202412.03%
Q1 202511.82%
Q2 202511.78%
Q3 202511.83%
Q4 202511.59%
Q1 202611.53%
Q2 202611.49%
Delinquent loans (60+ days)
0.48%0.83%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.65%
Q3 20240.58%
Q4 20240.48%
Q1 20250.75%
Q2 20251.08%
Q3 20251.18%
Q4 20250.71%
Q1 20260.84%
Q2 20261.17%
Return on assets
-1.00%-0.24%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.43%
Q4 20240.48%
Q1 20250.49%
Q2 20250.24%
Q3 20250.23%
Q4 20250.13%
Q1 2026-1.00%
Q2 2026-0.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$526.8M11.49%1.17%-0.32%91.1%
Q1 202657$520.9M11.53%0.84%-1.00%90.2%
Q4 202563$529.6M11.59%0.71%0.13%91.1%
Q3 202560$520.4M11.83%1.18%0.23%92.2%
Q2 202561$520.4M11.78%1.08%0.24%92.1%
Q1 202566$519.0M11.82%0.75%0.49%90.6%
Q4 202469$504.5M12.03%0.48%0.48%93.2%
Q3 202468$492.1M12.17%0.58%0.43%94.8%
Q2 202469$485.1M12.27%0.65%0.51%93.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.49%
51st
Problem loans1.17%
22nd
Net charge-offs0.45%
41st
Return on assets-0.32%
2nd
Loans to deposits91.1%
15th
Uninsured deposits6.9%
41st
Loan-loss reserves0.00%
50th
Texas ratio8.1%
21st

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Desco Federal Credit UnionCredit union Portsmouth, OH76 out of 100, Strong$550.7M11.8%0.51%vs
River Valley Credit UnionCredit union Miamisburg, OH73 out of 100, Strong$502.3M12.0%0.48%vs
Cme Federal Credit UnionCredit union Columbus, OH61 out of 100, Moderate$480.9M8.6%0.66%vs
Firelands Federal Credit UnionCredit union Bellevue, OH68 out of 100, Moderate$579.9M9.6%0.82%vs
Century Federal Credit UnionCredit union Independence, OH65 out of 100, Moderate$469.9M10.9%0.63%vs
Canton School Employees Federal Credit UnionCredit union North Canton, OH68 out of 100, Moderate$462.2M10.3%0.69%vs

Deposit insurance

Is my money safe at Oucu Financial Credit Union, Inc.?

Yes. Oucu Financial Credit Union, Inc. is a federally insured credit union (NCUA charter #61048). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.9% of shares and deposits ($31.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.49%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Oucu Financial Credit Union, Inc. lists 5 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Oucu Financial Credit Union, Inc.
Type
Federally insured state-chartered credit union
NCUA charter #
61048
RSSD ID
334796
Primary regulator
State + NCUA
Established
1955
Headquarters
944 E State St, Athens, OH 45701
Employees
116

Quick answers

Oucu Financial Credit Union, Inc.: common questions

Is Oucu Financial Credit Union, Inc. NCUA insured?

Yes. Oucu Financial Credit Union, Inc. is a federally insured credit union (NCUA charter #61048). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Oucu Financial Credit Union, Inc.'s TellerScore?

55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Oucu Financial Credit Union, Inc. have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Athens

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens Bank CompanyBank Beverly, OH86 out of 100, Very strong$334.6M13.6%0.39%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
The Hocking Valley BankBank Athens, OH77 out of 100, Strong$354.0M11.4%0.54%vs
The Vinton County National BankBank Mcarthur, OH73 out of 100, Strong$1.6B10.5%0.27%vs
The Park National BankBank Newark, OH72 out of 100, Strong$12.6B10.3%0.86%vs
Peoples BankBank Marietta, OH67 out of 100, Moderate$9.5B9.7%0.60%vs