Credit union · NCUA insured
Whitewater Community Credit Union
A $11.7M credit union headquartered in Harrison, OH, with 1,611 members and 1 branch in Ohio. Best rates: CDs 3.80% and savings 0.05% APY.
Whitewater Community Credit Union Carrot Score
86
Carrot Score
Higher than 75% of U.S. banks and credit unions
#15 of 58 in Cincinnati, OH-KY-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Whitewater Community Credit Union
Whitewater Community Credit Union was originally chartered in 1954 by the employees of the National Lead Company in Ross, Ohio.
In 2002, the State of Ohio authorized the credit union to serve residents and businesses in Harrison, Ohio.
- Headquarters
- 1157 Harrison Ave, Harrison, OH 45030
- NCUA charter
- 61760
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to the residents and businesses of Harrison, Ohio.
Cost to join
- Opening an account requires bringing at least $5 and two valid forms of ID in person.
Branches
1 branch in Ohio
Loading map…
Ohio
1 branch
- MainMain office1157 Harrison Ave, Harrison, OH 45030Directions
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 | 10.48% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.06% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.29% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $80 | $59 | — |
- CapitalNet worth ratio10.48%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.06%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.29%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$80Peers’ 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 Whitewater Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.