OUCU FINANCIAL CREDIT UNION, INC.

Charter #61048 | OH

500M-750M (169 CUs) Community (281 CUs)
7 500M-750M in OH

OUCU FINANCIAL CREDIT UNION, INC. has 4 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 5.2% in tier
  • + Wallet Share Momentum: Top 13.1% in tier
  • + Net Interest Margin 0.27% above tier average
  • + Fee Income Per Member: Top 4.7% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 3.3% in tier
  • - Credit Quality Pressure: Bottom 4.4% in tier
  • - Growth-at-Risk: Bottom 9.7% in tier
  • - Liquidity Strain: Bottom 24.7% in tier
  • - Stagnation Risk: Bottom 30.0% in tier
  • - Membership Headwinds: Bottom 32.0% in tier
  • - ROA 0.43% below tier average
  • - Efficiency ratio 11.64% above tier (higher cost structure)
  • - Delinquency rate 0.39% above tier average
  • - Total Deposits: Bottom 4.1% in tier
  • - Members Per Employee (MPE): Bottom 5.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 26,360
-0.6% YoY+0.6% QoQ
 -13.4K 39,752
-2.7% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 9.5% in tier
Assets $520.4M
+5.8% YoY+0.0% QoQ
 $-102.0M $622.4M
+0.3% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 Bottom 10.1% in tier
Loans $398.0M
+3.9% YoY-0.3% QoQ
 $-38.0M $435.9M
-0.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 31st in tier
Deposits $431.8M
+6.8% YoY-0.3% QoQ
 $-106.2M $538.0M
+1.3% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 Bottom 3.6% in tier
ROA 0.2%
-46.9% YoY-5.4% QoQ
 -0.4% 0.7%
+33.9% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Bottom 20.1% in tier
NIM 3.7%
+0.8% YoY+0.8% QoQ
 +0.3% 3.4%
+8.6% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 72nd in tier
Efficiency Ratio 89.7%
+9.1% YoY+0.2% QoQ
 +11.6% 78.1%
-3.4% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 Top 10.7% in tier
Delinquency Rate 1.2%
+104.7% YoY+10.0% QoQ
 +0.4 0.8%
-4.9% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 Top 18.9% in tier
Loan To Share 92.2%
-2.8% YoY+0.0% QoQ
 +11.1% 81.0%
-1.8% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 Top 20.7% in tier
AMR $31,480
+6.1% YoY-0.9% QoQ
 +$5K $26,482
+2.6% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 Top 18.3% in tier
CD Concentration 22.9%
+1.8% YoY+3.1% QoQ
 -1.5% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 45th in tier
Indirect Auto % 1.3%
+59.2% QoQ
 -12.6% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 37th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#145 of 1006 • Top 5.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.07%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.7K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#362 of 1006 • Top 13.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.07%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (6)

Efficiency Drag

risk
#60 of 521 • Bottom 3.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 89.73%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.20% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.64%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk
#109 of 736 • Bottom 4.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.61% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#146 of 446 • Bottom 9.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.87%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.61% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Liquidity Strain

risk
#192 of 258 • Bottom 24.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 92.16%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.87%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Stagnation Risk

risk
#494 of 550 • Bottom 30.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.23%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.64%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $31.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 22.93%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#527 of 550 • Bottom 32.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.64%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (4 metrics)

9
Fee Income Per Member
profitability
Value: $327.20
Peer Avg: $199.27
#9 of 169 Top 4.7% in 500M-750M tier
25
Loan-to-Member Ratio (LMR)
engagement
Value: $15,098
Peer Avg: $11,805
#25 of 169 Top 14.2% in 500M-750M tier
31
Average Member Relationship (AMR)
engagement
Value: $31,480
Peer Avg: $26,482
#31 of 169 Top 17.8% in 500M-750M tier
35
Loan-to-Share Ratio
balance_sheet
Value: 92.16%
Peer Avg: 81.02%
#35 of 169 Top 20.1% in 500M-750M tier

Top Weaknesses (7 metrics)

163
Total Deposits
balance_sheet
Value: $431.84M
Peer Avg: $538.02M
#163 of 169 Bottom 4.1% in 500M-750M tier
161
Members Per Employee (MPE)
engagement
Value: 227.241
Peer Avg: 338.010
#161 of 169 Bottom 5.3% in 500M-750M tier
153
Total Members
engagement
Value: 26,360
Peer Avg: 39,752
#153 of 169 Bottom 10.1% in 500M-750M tier
152
Efficiency Ratio
profitability
Value: 89.73%
Peer Avg: 78.10%
#152 of 169 Bottom 10.7% in 500M-750M tier
152
Total Assets
balance_sheet
Value: $520.42M
Peer Avg: $622.38M
#152 of 169 Bottom 10.7% in 500M-750M tier
138
Total Delinquency Rate (60+ days)
risk
Value: 1.18%
Peer Avg: 0.80%
#138 of 169 Bottom 18.9% in 500M-750M tier
135
Return on Assets (ROA)
profitability
Value: 0.23%
Peer Avg: 0.66%
#135 of 169 Bottom 20.7% in 500M-750M tier