State credit union · Athens, Ohio · NCUA charter #61048
Oucu Financial Credit Union, Inc.
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $529.6M
- Total assets
- 25,722
- Members
- 11.6%
- Net-worth ratio
Oucu Financial Credit Union, Inc. - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61048. See our deposit-insurance coverage note.
Oucu Financial Credit Union, Inc. - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)92
- Earnings (ROA)95
- Member growth20
- Liquidity (loan-to-share)97
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.59%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.59% | 30% |
| Delinquency Rate | 0.71% | 25% |
| Return on Assets | 0.45% | 15% |
| Member Growth | -3.37% | 15% |
| Loan-to-Share Ratio | 91.13% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Oucu Financial Credit Union, Inc.
25,722 members and $529.6M in total assets sit behind Oucu Financial Credit Union, Inc., a state credit union in Athens, Ohio, which posts a health score of 85/100 (Excellent) on the five-factor composite, with $402.7M in outstanding loans as of Q4 2025 and a net worth ratio of 11.59% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #61048 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 0.71% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 91.13% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.45% on net income of $2.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.37%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Oucu Financial Credit Union, Inc. financially healthy?
A 11.59% net worth ratio and a 0.71% delinquency rate feed into Oucu Financial Credit Union, Inc.'s financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Oucu Financial Credit Union, Inc. compare to other credit unions?
PlainCU's health composite puts Oucu Financial Credit Union, Inc. at 85/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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.?
Federal credit unions like Oucu Financial Credit Union, Inc. are 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 11.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Oucu Financial Credit Union, Inc. offer compared to banks?
Credit unions like Oucu Financial Credit Union, Inc. are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Oucu Financial Credit Union, Inc. directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.