Oceanair
Oxnard, CA · Charter 7608 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 5 branches
Q2 2026
$882.5MAssets
$756.4MLoans
$692.6MShares
$65.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 45% of credit unions under $1B in assets in CA (rank 35 of 62).
- Widest gap: equity / assets trails 95% of credit unions under $1B in assets in CA (rank 60 of 63).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.12%
Rank 50 of 63
Net Interest Margin
2.38%
Rank 60 of 63
Efficiency Ratio
92.34%
Rank 56 of 63
Equity / Assets
7.44%
Rank 60 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.12% | 0.17% | 0.56% | 1.17% | Beats 21% | 50 / 63 | |
| Return on Equity | 1.62% | 1.81% | 4.79% | 8.64% | Beats 21% | 50 / 63 | |
| Net Interest Margin | 2.38% | 3.18% | 3.49% | 3.98% | Beats 5% | 60 / 63 | |
| Efficiency Ratio | 92.34% | 70.58% | 81.25% | 89.21% | Beats 13% | 56 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.17% | 0.42% | 0.85% | Beats 45% | 35 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.44% | 8.61% | 10.56% | 14.01% | Beats 5% | 60 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.44% | 8.61% | 10.56% | 14.01% | Beats 5% | 60 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 109.20% | 53.46% | 72.75% | 85.33% | 98th pctl | 1 / 62 | |
| Loans / Assets | 85.71% | 46.35% | 58.08% | 72.17% | 95th pctl | 3 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |