OCEAN STATE
Charter #66595 · COVENTRY, RI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 22,117 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.13% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.35% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.54% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 8th 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 STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $351.26M | 82th pct | 67th pct |
| Members | 22,117 | 83th pct | 85th pct |
| Net worth ratio | 11.37% | 48th pct | 51th pct |
| Return on average assets | 0.13% | 13th pct | 11th pct |
| Net interest margin | 3.04% | 16th pct | 39th pct |
| Cost of funds | 0.35% | 14th pct | 8th pct |
| Loan-to-share | 96.86% | 97th pct | 82th pct |
| Delinquency 60+ days | 1.54% | 90th pct | 85th pct |
| Net charge-off ratio | 0.00% | 6th pct | 8th pct |
| Loan growth YoY | -4.09% | 10th pct | 5th pct |
| Share growth YoY | 7.38% | 89th pct | 85th pct |
| Efficiency ratio | 96.35% | 95th pct | 90th pct |
structural peer set hash: 1467eeb9ab2d2722c19eb56bde386bdc… (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.