Ocean Financial

Oceanside, NY · 1 · Charter #19269 · www.oceanfinancial.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
$407.6M
42th percentile
Members
14,057
7th percentile
Total loans
$284.4M
47th percentile
Total shares
$369.5M
48th percentile

Profitability

Return on assets
0.22%
9th percentile
Net interest margin
2.30%
4th percentile
Efficiency ratio
50.43%
80th percentile
Non-interest income ratio
6.09%
2th percentile

Capital & Risk

Net worth ratio
8.03%
5th percentile
Delinquency rate
1.47%
12th percentile
Net charge-off rate
0.06%
94th percentile
Loan-to-share
76.97%
41th percentile

Growth

Member growth YoY
-1.33%
29th percentile
Asset growth YoY
10.44%
88th percentile
Loan growth YoY
12.41%
88th percentile
Share growth YoY
5.92%
62th percentile

Operations

Members / branch
4,686
51th percentile
Assets / member
$28,999
95th percentile
Field of membership penetration
1.41%
21th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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