Credit union · Privately insured
Southeastern Ohio Credit Union
A $65.4M credit union headquartered in Cambridge, OH, with 6,475 members and 4 branches in Ohio. Best rates: CDs 3.97% and savings 1.51% APY.
Southeastern Ohio Credit Union Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#3 of 13 in Wheeling, WV-OH metroHow the score works →
Deposits are privately insured, not by the federal government.
About Southeastern Ohio Credit Union
- Headquarters
- 115 Market St, Cambridge, OH 43725-8409
- NCUA charter
- 96674
Branches
4 branches in Ohio
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Ohio
4 branches
Cambridge area · 1
- Cambridge OfficeMain office115 Market St, Cambridge, OH 43725Directions
Caldwell area · 1
- Caldwell Office306 North St, Caldwell, OH 43724Directions
Marietta area · 1
- Marietta Office1106 4th St, Marietta, OH 45750Directions
Wheeling area · 1
- Belmont Correctional Institution68518 Bannock Rd # SR331, St. Clairsville, OH 43950Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.08% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.03% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.50% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $62 | $59 | — |
- CapitalNet worth ratio12.08%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.03%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.50%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$62Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Southeastern Ohio Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.