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Odjfs Credit Union

Overview
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Odjfs Credit Union is a federal credit union based in Columbus, Ohio. It has been opened since 1955, for 65 years.

With around $10,050,000 in assets, Odjfs Credit Union is considered to be a medium size credit union. It has 2 branches and 2 ATM locations.

About
Address 4020 E. 5th Avenue
Columbus, Ohio 43219
Website http://www.odjfscu.com
Phone (614) 237-3200
Fax (614) 237-3210
CEO Lynnet Simpson
President of the Board Lionel Harris
Services Offered
Map
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Score Card
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65 years
Years in business
Opened in 1955
Well Capitalized
Net worth classification
Source: NCUA
2,697 members
Membership type: Federal, State, Local Government
Average number of members
539:1
Credit union member to staff ratio
539 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$10,047,334
Total assets
Below average
2 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
0.12%
Savings interest rate
Compared to 0.3% nationally
20.49%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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2 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
Odjfs Credit Union Branch Locations

Odjfs Credit Union: Sot
30 E. Broad Street
Columbus, Ohio 43215
No ATM
Odjfs Credit Union: Main Office
4020 E. 5th Avenue
Columbus, Ohio 43219
No ATM
Members
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2,697 members
Membership type: Federal, State, Local Government
Average number of members

With 2,697 members, the Odjfs Credit Union is considered to be a medium size credit union. It is larger than 42% of credit unions.

Fees
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$15
Average fee per member
The average fee per member at the Odjfs Credit Union is $15, which is low compared to most credit unions. This rate is lower than 77% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Odjfs Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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539:1
Credit union member to staff ratio
539 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
5 staff members
FTE (full-time equivalent)
0% of employees are part-time
5 full-time, 0 part-time

Odjfs Credit Union has 5 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Odjfs Credit Union has around 539 members per staff, a high ratio compared to other credit unions.

Assets
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$10,047,334
Total assets
Below average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
11.5%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$6,237
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 84% of credit unions.

Odjfs Credit Union holds a total of $5,400,000 in loans and leases, which is about $6,237 per member on average.

Savings interest rate
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0.12%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Odjfs Credit Union pays 0.12%.

Loan rates
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20.49%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
15.93%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
13.75%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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7.75%
New car loan rate
Compared to 4.0% nationally
9.50%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.93%
Other real estate loan rates
Compared to 0.9% nationally
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