Oc

GARFIELD HTS, OH · 1 · Charter #9208 · www.ocfederal.com
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
$305.7M
16th percentile
Members
13,927
7th percentile
Total loans
$211.7M
25th percentile
Total shares
$240.8M
10th percentile

Profitability

Return on assets
1.34%
75th percentile
Net interest margin
3.41%
46th percentile
Efficiency ratio
47.91%
88th percentile
Non-interest income ratio
17.93%
43th percentile

Capital & Risk

Net worth ratio
13.40%
80th percentile
Delinquency rate
0.07%
98th percentile
Net charge-off rate
0.05%
95th percentile
Loan-to-share
87.90%
69th percentile

Growth

Member growth YoY
6.00%
93th percentile
Asset growth YoY
14.41%
95th percentile
Loan growth YoY
19.69%
96th percentile
Share growth YoY
12.84%
94th percentile

Operations

Members / branch
2,785
13th percentile
Assets / member
$21,947
83th percentile
Field of membership penetration
0.63%
9th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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