OCNAC #1
Charter #5987 · jersey city, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,127 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.48% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.65% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.10% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.21% sits at the 92nd percentile of structural peers — worth a closer look.
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 | OCNAC #1 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.07M | 80th pct | 34th pct |
| Members | 2,127 | 97th pct | 75th pct |
| Net worth ratio | 12.31% | 24th pct | 39th pct |
| Return on average assets | 1.48% | 83th pct | 87th pct |
| Net interest margin | 5.65% | 87th pct | 98th pct |
| Cost of funds | 0.10% | 22th pct | 13th pct |
| Loan-to-share | 26.51% | 16th pct | 43th pct |
| Delinquency 60+ days | 4.21% | 84th pct | 92th pct |
| Net charge-off ratio | 7.60% | 97th pct | 93th pct |
| Loan growth YoY | -6.04% | 45th pct | 39th pct |
| Share growth YoY | -2.10% | 33th pct | 31th pct |
| Efficiency ratio | 59.83% | 15th pct | 20th pct |
structural peer set hash: a48164f304d62aba772c02e67a271f43… (reproducible)
Closest structural peers
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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.