OUR Credit Union Profile

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OUR

Charter #62028 | NCUA Region 1 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (248) 549-3838

Fax: (248) 549-0203

Founding Date: N/A

Website: https://www.ourcuonline.org

Personnel & Operations

President: Kripili, Joe

Manager: Cameron, Darren

FT Employees: 73

PT Employees: 12

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 5

Hours: lobby-Mon thru Thur 9-5, Fri 9-6, Sat 9-1

Credit Union Profile Summary

OUR is a FISCU Credit Union. With a total of 23,567 members [1], this institution manages approximately $360,422,592 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.71% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.71% [1].

Financial Snapshot

Total Assets [1]
$360,422,592

Total economic resources.

Total Loans [1]
$219,693,800

Total value of outstanding loans.

Total Deposits [1]
$337,954,069

Total funds deposited by members.

Members [1]
23,567

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.71%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.65%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
65.01%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -1.29%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 3.71%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -0.84%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3070 Normandy Rd

Royal Oak, MI, 48073
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 5 branches reported by OUR (Charter #62028).

Main Office

Normandy Office Main Office

Type: Corporate Office

3070 Normandy Rd

Royal Oak, MI 48073

Phone: (248) 549-3838

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Royal Oak

Washington Office

Type: Branch Office

726 S Washington Ave

Royal Oak, MI 48067

Phone: (248) 549-3838

Services: Member Services, ATM

Open in Directions

Shelby Township

Shelby Township Office

Type: Branch Office

54870 Mound Rd

Shelby Township, MI 48316

Phone: (248) 549-3838

Services: Member Services, ATM, Drive-Thru

Open in Directions

Troy

Rochester Rd

Type: Branch Office

6693 Rochester Rd

Troy, MI 48085

Phone: (248) 549-3838

Services: Member Services, ATM, Drive-Thru

Open in Directions

Warren

12 Mile Road Office

Type: Branch Office

5625 E 12 Mile Rd

Warren, MI 48092-2307

Phone: (249) 549-3838

Services: Member Services, ATM, Drive-Thru

Open in Directions