OCEAN COUNTY EMPLOYEES
Charter #18759 · Toms River, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.92% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.06% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 75th — a 57-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | OCEAN COUNTY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.46M | 24th pct | 56th pct |
| Members | 348 | 29th pct | 62th pct |
| Net worth ratio | 19.50% | 58th pct | 52th pct |
| Return on average assets | 2.92% | 95th pct | 92th pct |
| Net interest margin | 5.06% | 79th pct | 84th pct |
| Cost of funds | 0.03% | 13th pct | 36th pct |
| Loan-to-share | 29.27% | 18th pct | 75th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -3.05% | 60th pct | 64th pct |
| Share growth YoY | -6.47% | 13th pct | 16th pct |
| Efficiency ratio | 74.35% | 29th pct | 44th pct |
structural peer set hash: 84f71753eb50172d77b3f306b71c964d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.