Oucu Financial Credit Union, Inc.
Athens, OH · Charter 61048 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$526.8MAssets
$416.2MLoans
$456.7MShares
$60.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 57% of credit unions under $1B in assets (rank 732 of 1683).
- Widest gap: return on equity trails 93% of credit unions under $1B in assets (rank 1567 of 1681).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.32%
Rank 1,553 of 1,683
Net Interest Margin
3.93%
Rank 732 of 1,683
Efficiency Ratio
95.07%
Rank 1,510 of 1,682
Equity / Assets
11.49%
Rank 1,079 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.32% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,553 / 1,683 | | |
| Return on Equity | -2.80% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,567 / 1,681 | | |
| Net Interest Margin | 3.93% | 3.31% | 3.82% | 4.32% | Beats 57% | 732 / 1,683 | | |
| Efficiency Ratio | 95.07% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,510 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.17% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,215 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.49% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,079 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.49% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,079 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.14% | 52.61% | 69.38% | 83.50% | 88th pctl | 196 / 1,683 | | |
| Loans / Assets | 79.02% | 44.71% | 59.18% | 70.72% | 90th pctl | 163 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |