State credit union · Athens, Ohio · NCUA charter #61048
Oucu Financial Credit Union, Inc.
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $529.6M
- Total assets
- 25,722
- Members
- 11.5%
- Net-worth ratio
Oucu Financial Credit Union, Inc. scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $529.6M; members 25,722; net-worth ratio 11.53%; health rank #1,982 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,982 of 4,374 health · 2025Q4Oucu Financial · health 85/100 · $529.6M · 2025Q4
Call Report peers
Oucu Financial Credit Union, Inc. in the assets neighbourhood
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Oucu Financial Credit Union, Inc. vs every NCUA-scored credit union
Oucu Financial Credit Union, Inc. sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Oucu Financial Credit Union, Inc.: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +7.23 pp (91.13% vs 83.90%).
- Return on Assets trails the peer set - 0.45% here, 0.51% peer average (-0.06 pp).
Ohio standing for Oucu Financial Credit Union, Inc.
- Ohio health ordinal: #89 of 196.
- By total assets, Oucu Financial Credit Union, Inc. is #19 of 196 in Ohio.
- Membership ranks #25 of 196 among Ohio CUs with a reported count (25,722 members).
- One place up in Ohio, Ashland Community (#88) ties at 85/100; one place down, BRIDGE (#90) ties at 85/100.
How Oucu Financial Credit Union, Inc.'s 5300 filing moved
Oucu Financial Credit Union, Inc.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.7% from $529.6M (2025Q4) to $520.9M (2026Q1).
- Net-worth ratio shifted -0.06 pp (11.59% → 11.53%).
At 11.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Oucu Financial Credit Union, Inc. gives up 15 points in total. Member Growth costs the most, 12.1 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 14.3 pts
- Member Growth 2.9 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for Oucu Financial Credit Union, Inc.
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.53% | +0.35 pp |
| Delinquency Rate | 0.71% | -0.16 pp |
| Return on Assets | 0.45% | -0.06 pp |
| Member Growth | -3.37% | - |
| Loan-to-Share Ratio | 91.13% | +7.23 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Oucu Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $520.9M | - |
| 2025Q4 | $529.6M | 25,722 |
| 2024Q4 | $504.5M | 26,620 |
| 2023Q4 | $513.7M | 26,110 |
Credit Union Details
- Charter Number
- 61048
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Ohio
- City
- Athens
- Data Quarter
- 2025Q4
Branch Locations (5)
Oucu Financial Credit Union, Inc. operates 5 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Athens, OH |
| Shafer Branch | Athens, OH |
| West Union Branch | Athens, OH |
| Lancaster Branch | Lancaster, OH |
| Logan Branch | Logan, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Oucu Financial Credit Union, Inc. nationwide neighbourhoods
Using this data
- Oucu Financial Credit Union, Inc. ranks #1,982 of 4,374 nationally on financial health and #89 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DESCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DESCO
Frequently Asked Questions
Is Oucu Financial Credit Union, Inc. financially healthy?
On its 2025Q4 NCUA 5300 filing, Oucu Financial Credit Union, Inc. scores 85/100 (Excellent), with a 11.53% net worth ratio and 0.71% of loans delinquent. It ranks #1,982 of 4,374 nationally on health and #89 of 196 in Ohio.
How does Oucu Financial Credit Union, Inc. compare to other credit unions?
Oucu Financial Credit Union, Inc. scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.13% vs 83.90%). Its widest shortfall is return on assets (0.45% vs 0.51%).
How can I join Oucu Financial Credit Union, Inc.?
Membership eligibility for Oucu Financial Credit Union, Inc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Oucu Financial Credit Union, Inc. directly for current membership requirements and application steps.
Is my money safe at Oucu Financial Credit Union, Inc.?
Oucu Financial Credit Union, Inc. is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Oucu Financial Credit Union, Inc.'s net worth ratio of 11.53% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.