OCALA COMMUNITY
Charter #67938 · Ocala, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.94% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 2.96% sits at the 13th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.27% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.51% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 99th percentile but its structural peers at the 64th — 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 | OCALA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $49.06M | 99th pct | 64th pct |
| Members | 2,552 | 64th pct | 34th pct |
| Net worth ratio | 9.94% | 18th pct | 18th pct |
| Return on average assets | 0.21% | 27th pct | 36th pct |
| Net interest margin | 2.96% | 15th pct | 13th pct |
| Cost of funds | 0.35% | 23th pct | 34th pct |
| Loan-to-share | 32.40% | 12th pct | 28th pct |
| Delinquency 60+ days | 1.27% | 74th pct | 79th pct |
| Net charge-off ratio | 1.51% | 91th pct | 90th pct |
| Loan growth YoY | -11.49% | 4th pct | 8th pct |
| Share growth YoY | 1.36% | 38th pct | 31th pct |
| Efficiency ratio | 75.15% | 38th pct | 34th pct |
structural peer set hash: c25288103261d73c60c93b683796bcb4… (reproducible)
Closest structural peers
This is the free public view
Claim OCALA COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.