Ocnac #1

jersey city, NJ · 1 · Charter #5987 · www.ocnac.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$7.1M
33th percentile
Members
2,172
70th percentile
Total loans
$1.8M
21th percentile
Total shares
$6.1M
35th percentile

Profitability

Return on assets
2.28%
94th percentile
Net interest margin
5.90%
94th percentile
Efficiency ratio
62.05%
60th percentile
Non-interest income ratio
3.92%
29th percentile

Capital & Risk

Net worth ratio
11.93%
30th percentile
Delinquency rate
3.60%
12th percentile
Net charge-off rate
1.31%
12th percentile
Loan-to-share
28.91%
11th percentile

Growth

Member growth YoY
-5.61%
15th percentile
Asset growth YoY
4.75%
72th percentile
Loan growth YoY
-6.39%
35th percentile
Share growth YoY
3.38%
66th percentile

Operations

Members / branch
2,172
81th percentile
Assets / member
$3,255
8th percentile
Field of membership penetration
21.72%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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