OCEAN FINANCIAL
Charter #19269 · Oceanside, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.21% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 2.43% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.19% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.24% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.05% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
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 FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $401.51M | 89th pct | 72th pct |
| Members | 14,135 | 54th pct | 46th pct |
| Net worth ratio | 8.21% | 5th pct | 11th pct |
| Return on average assets | 0.22% | 17th pct | 30th pct |
| Net interest margin | 2.43% | 4th pct | 10th pct |
| Cost of funds | 2.19% | 92th pct | 84th pct |
| Loan-to-share | 77.92% | 63th pct | 36th pct |
| Delinquency 60+ days | 1.24% | 84th pct | 77th pct |
| Net charge-off ratio | 0.05% | 12th pct | 20th pct |
| Loan growth YoY | 5.95% | 91th pct | 90th pct |
| Share growth YoY | 3.33% | 48th pct | 61th pct |
| Efficiency ratio | 87.98% | 80th pct | 52th pct |
structural peer set hash: ea2672dc63573e597ca112bc01baf684… (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.