OLD OCEAN
Charter #6175 · Sweeny, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.76% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.92% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.58% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.13% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 41st — a 35-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 | OLD OCEAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.98M | 86th pct | 54th pct |
| Members | 3,017 | 76th pct | 41th pct |
| Net worth ratio | 19.76% | 84th pct | 77th pct |
| Return on average assets | 1.92% | 94th pct | 84th pct |
| Net interest margin | 4.58% | 81th pct | 90th pct |
| Cost of funds | 0.13% | 8th pct | 7th pct |
| Loan-to-share | 45.22% | 29th pct | 39th pct |
| Delinquency 60+ days | 0.17% | 28th pct | 36th pct |
| Net charge-off ratio | 0.54% | 73th pct | 74th pct |
| Loan growth YoY | -3.67% | 40th pct | 28th pct |
| Share growth YoY | 4.28% | 68th pct | 62th pct |
| Efficiency ratio | 69.24% | 25th pct | 38th pct |
structural peer set hash: 97df5b2dcf7bcf0a87d13cc788eb0933… (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.