Credit union · NCUA insured
OUCU Financial
A $520.9M credit union headquartered in Athens, OH, with 26,302 members and 4 branches in Ohio. Best rates: CDs 4.25% and savings 0.50% APY.
OUCU Financial Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#27 of 47 in Columbus, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About OUCU Financial
- Headquarters
- 944 E State St, Athens, OH 45701
- NCUA charter
- 61048
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Ohio residents outside the primary counties qualify for membership by joining the American Consumer Council at no cost.
Where you live or work
- Individuals who live, work, worship, or attend school in Athens, Fairfield, Hocking, Meigs, Morgan, Perry, Vinton, or Washington County are eligible for membership.
Employers and groups
- Individuals belonging to one of the qualifying association groups qualify for membership.
- Employees working for a select partner company qualify for membership.
Military, government and schools
- Active and retired employees, students, or alumni of Ohio University or Hocking College are eligible for membership.
Family and household
- Individuals who have a family member eligible for membership qualify to join.
Cost to join
- Membership in the American Consumer Council is free with no cost to join.
Branches
4 branches in Ohio
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Ohio
4 branches
Athens area · 2
- Main OfficeMain office944 E State St, Athens, OH 45701Directions
- Shafer Branch90 S Shafer St, Athens, OH 45701Directions
Columbus area · 2
- Lancaster Branch2808 Columbus Lancaster Rd NW, Lancaster, OH 43130Directions
- Logan Branch96 W Hunter St, Logan, OH 43138Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.49% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.17% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.32% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $91 | $76 | — |
- CapitalNet worth ratio11.49%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.17%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.32%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$91Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of OUCU Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.