Ocean Financial Oceanside, NY · Charter 19269 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 4 branches
Q2 2026
$403.3M Assets
$290.6M Loans
$377.7M Shares
$33.0M Net Worth
Executive Summary Strongest standing: return on equity outperforms 38% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 98 of 159). Widest gap: equity / assets trails 94% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 149 of 159). Overall: at or above the peer median on 0 of 7 directional measures. Return on Assets
0.12%
Rank 110 of 159
Net Interest Margin
2.45%
Rank 135 of 159
Efficiency Ratio
90.78%
Rank 100 of 158
Equity / Assets
8.17%
Rank 149 of 159
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 0.12% 0.00% 0.40% 1.00% Beats 31% 110 / 159 Return on Equity 1.43% 0.04% 2.43% 6.24% Beats 38% 98 / 159 Net Interest Margin 2.45% 2.79% 3.84% 4.44% Beats 15% 135 / 159 Efficiency Ratio 90.78% 74.21% 85.84% 96.50% Beats 37% 100 / 158 Asset Quality Nonperforming Loans / Loans 2.21% 0.42% 1.27% 2.96% Beats 32% 109 / 158 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 8.17% 10.80% 14.61% 21.35% Beats 6% 149 / 159 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 8.17% 10.80% 14.61% 21.35% Beats 6% 149 / 159 Liquidity & Funding Loans / Deposits 76.93% 27.85% 44.27% 75.14% 75th pctl 39 / 159 Loans / Assets 72.05% 22.38% 35.34% 62.74% 85th pctl 24 / 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