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Ocean County Employees

Toms River, NJ · Charter 18759

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158 to 159). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

91

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

77

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ocean County Employees

Toms River, NJ · Charter 18759

NCUA · 1 branch

Q2 2026

$1.4MAssets
$327KLoans
$1.2MShares
$289KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.22%, up 104 bps year over year; NIM at 5.18%.
  • Asset quality: problem loans at 0.33% of loans (+33 bps YoY).
  • Capital: net worth / assets of 19.99%, up 199 bps from a year ago.
  • Funding: loans stand at 28.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.22%+104 bps YoY

Net Interest Margin (YTD, annualized)

5.18%+18 bps YoY

Efficiency Ratio (YTD, annualized)

73.50%-92 bps YoY

Net Worth / Assets

19.99%+199 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.12%1.13%2.91%2.22%+104 bps
Return on Equity6.56%6.31%5.97%14.94%11.12%+456 bps
Net Interest Margin5.00%4.88%5.15%5.05%5.18%+18 bps
Efficiency Ratio74.43%76.90%77.91%74.35%73.50%-92 bps
Growth
Asset Growth (YoY)-4.24%1.76%0.95%0.06%-1.93%+231 bps
Loan Growth (YoY)-1.23%-11.08%-15.39%-9.87%-11.92%-1,069 bps
Share Growth (YoY)-6.91%0.53%-0.39%-2.06%-4.42%+250 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.33%+33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.93%2.93%3.01%1.40%1.43%-150 bps
Capital
Risk-Based Capital18.00%17.74%18.88%19.50%19.99%+199 bps
Net Worth / Assets18.00%17.74%18.88%19.50%19.99%+199 bps
Liquidity & Funding
Loans / Shares30.80%28.23%29.91%29.27%28.38%-242 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Ocean County Employees

Toms River, NJ · Charter 18759 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)

NCUA · 1 branch

Q2 2026

$1.4MAssets
$327KLoans
$1.2MShares
$289KNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 94% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 10 of 159).
  • Widest gap: equity / assets trails 29% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 46 of 159).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

2.21%

Rank 10 of 159

Net Interest Margin

5.25%

Rank 17 of 159

Efficiency Ratio

71.79%

Rank 37 of 158

Equity / Assets

19.96%

Rank 46 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.21%0.00%0.40%1.00%Beats 94%10 / 159
Return on Equity11.07%0.04%2.43%6.24%Beats 91%15 / 159
Net Interest Margin5.25%2.79%3.84%4.44%Beats 89%17 / 159
Efficiency Ratio71.79%74.21%85.84%96.50%Beats 77%37 / 158
Asset Quality
Nonperforming Loans / Loans0.31%0.42%1.27%2.96%Beats 80%32 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.96%10.80%14.61%21.35%Beats 71%46 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets19.96%10.80%14.61%21.35%Beats 71%46 / 159
Liquidity & Funding
Loans / Deposits28.39%27.85%44.27%75.14%26th pctl118 / 159
Loans / Assets22.58%22.38%35.34%62.74%25th pctl119 / 159
Brokered Deposits / Depositsn/aNot reported for this institution