Ocean County Employees

TOMS RIVER, NJ · 1 · Charter #18759
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
$1.4M
10th percentile
Members
350
12th percentile
Total loans
$349.8K
7th percentile
Total shares
$1.2M
10th percentile

Profitability

Return on assets
1.13%
65th percentile
Net interest margin
5.15%
86th percentile
Efficiency ratio
77.53%
28th percentile
Non-interest income ratio
3.36%
26th percentile

Capital & Risk

Net worth ratio
18.88%
70th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
1.68%
8th percentile
Loan-to-share
29.91%
12th percentile

Growth

Member growth YoY
-5.15%
17th percentile
Asset growth YoY
0.95%
49th percentile
Loan growth YoY
-15.39%
11th percentile
Share growth YoY
-0.39%
44th percentile

Operations

Members / branch
350
16th percentile
Assets / member
$4,137
11th percentile
Field of membership penetration
23.33%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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