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
$1.4M Assets
$327K Loans
$1.2M Shares
$289K Net 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
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 2.21% 0.00% 0.40% 1.00% Beats 94% 10 / 159 Return on Equity 11.07% 0.04% 2.43% 6.24% Beats 91% 15 / 159 Net Interest Margin 5.25% 2.79% 3.84% 4.44% Beats 89% 17 / 159 Efficiency Ratio 71.79% 74.21% 85.84% 96.50% Beats 77% 37 / 158 Asset Quality Nonperforming Loans / Loans 0.31% 0.42% 1.27% 2.96% Beats 80% 32 / 158 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 19.96% 10.80% 14.61% 21.35% Beats 71% 46 / 159 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 19.96% 10.80% 14.61% 21.35% Beats 71% 46 / 159 Liquidity & Funding Loans / Deposits 28.39% 27.85% 44.27% 75.14% 26th pctl 118 / 159 Loans / Assets 22.58% 22.38% 35.34% 62.74% 25th pctl 119 / 159 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (158 to 159 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11