Old Ocean

Sweeny, TX · 1 · Charter #6175 · www.oofcu.org
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
$40.2M
90th percentile
Members
3,015
85th percentile
Total loans
$16.0M
81th percentile
Total shares
$31.5M
87th percentile

Profitability

Return on assets
2.05%
92th percentile
Net interest margin
5.10%
85th percentile
Efficiency ratio
69.83%
43th percentile
Non-interest income ratio
27.16%
92th percentile

Capital & Risk

Net worth ratio
20.15%
74th percentile
Delinquency rate
0.16%
74th percentile
Net charge-off rate
0.73%
23th percentile
Loan-to-share
50.71%
36th percentile

Growth

Member growth YoY
-1.95%
44th percentile
Asset growth YoY
1.34%
52th percentile
Loan growth YoY
0.79%
66th percentile
Share growth YoY
-0.60%
42th percentile

Operations

Members / branch
3,015
92th percentile
Assets / member
$13,326
78th percentile
Field of membership penetration
1.83%
10th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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