OUCU FINANCIAL CREDIT UNION, INC.
Charter #61048 · Athens, OH · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 26,302 sits at the 15th percentile of structural peers — worth a closer look.
- Net worth ratio of 11.53% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.99% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 3.95% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 101.08% sits at the 98th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | OUCU FINANCIAL CREDIT UNION, INC. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $520.86M | 7th pct | 23th pct |
| Members | 26,302 | 9th pct | 15th pct |
| Net worth ratio | 11.53% | 66th pct | 80th pct |
| Return on average assets | -0.99% | 0th pct | 0th pct |
| Net interest margin | 3.95% | 82th pct | 80th pct |
| Cost of funds | 1.43% | 47th pct | 39th pct |
| Loan-to-share | 90.21% | 80th pct | 67th pct |
| Delinquency 60+ days | 0.84% | 69th pct | 66th pct |
| Net charge-off ratio | 0.36% | 44th pct | 33th pct |
| Loan growth YoY | 2.04% | 61th pct | 74th pct |
| Share growth YoY | 4.25% | 53th pct | 67th pct |
| Efficiency ratio | 101.08% | 99th pct | 98th pct |
structural peer set hash: 5e725c4b4e7b537cfc403899622d2f38… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.