OCEANAIR
Charter #7608 · Oxnard, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 27,253 sits at the 15th percentile of structural peers — worth a closer look.
- Net worth ratio of 7.51% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of 0.16% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 2.42% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 2.80% sits at the 85th 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 | OCEANAIR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $870.76M | 81th pct | 43th pct |
| Members | 27,253 | 10th pct | 15th pct |
| Net worth ratio | 7.51% | 3th pct | 2th pct |
| Return on average assets | 0.16% | 13th pct | 18th pct |
| Net interest margin | 2.42% | 3th pct | 7th pct |
| Cost of funds | 2.80% | 97th pct | 85th pct |
| Loan-to-share | 108.92% | 99th pct | 90th pct |
| Delinquency 60+ days | 0.29% | 21th pct | 26th pct |
| Net charge-off ratio | 0.23% | 27th pct | 43th pct |
| Loan growth YoY | 2.27% | 63th pct | 52th pct |
| Share growth YoY | 0.47% | 9th pct | 16th pct |
| Efficiency ratio | 89.82% | 91th pct | 84th pct |
structural peer set hash: 91617c256261fa23219207d9318bb85d… (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.