Oceanair

Oxnard, CA · 1 · Charter #7608 · www.oceanair.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$867.4M
92th percentile
Members
27,330
47th percentile
Total loans
$739.5M
99th percentile
Total shares
$624.6M
82th percentile

Profitability

Return on assets
-0.49%
1th percentile
Net interest margin
2.15%
3th percentile
Efficiency ratio
60.00%
46th percentile
Non-interest income ratio
20.90%
62th percentile

Capital & Risk

Net worth ratio
7.50%
3th percentile
Delinquency rate
0.35%
83th percentile
Net charge-off rate
0.24%
71th percentile
Loan-to-share
118.39%
98th percentile

Growth

Member growth YoY
-2.92%
18th percentile
Asset growth YoY
0.19%
14th percentile
Loan growth YoY
7.86%
71th percentile
Share growth YoY
1.23%
19th percentile

Operations

Members / branch
5,466
65th percentile
Assets / member
$31,736
96th percentile
Field of membership penetration
0.54%
7th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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