Oc Federal Credit Union
Total assets
$310.8M
▲ +6.7% YoY
Shares & deposits
$248.4M
▲ +9.9% YoY
Loans
$216.8M
▲ +6.4% YoY
Members
14,084
▲ +4.0% YoY
ROA (annualized)
0.97%
peers 0.69%
ROE (annualized)
7.22%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +3.9% | +2.8 pts |
| Share growth (YoY) | +9.9% | +3.3% | +6.6 pts |
| Loan growth (YoY) | +6.4% | +2.9% | +3.4 pts |
| ROA | 0.97% | 0.69% | +0.3 pts |
| ROE | 7.2% | 5.9% | +1.3 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 13623 Rockside Rd, Garfield Hts, OH, 44125
- NCUA charter #
- 9208
- RSSD ID
- 314088
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $310.8M | $248.4M | $216.8M | $41.7M | $753K | 0.97% | 3.63% | 0.26% | 14,084 |
| Q4 2025 | $305.7M | $243.6M | $211.7M | $41.0M | $4.2M | 1.39% | 3.41% | 0.07% | 13,927 |
| Q3 2025 | $299.5M | $239.2M | $206.2M | $39.6M | $2.9M | 1.28% | 3.35% | 0.11% | 13,849 |
| Q2 2025 | $288.1M | $229.8M | $201.6M | $38.1M | $1.4M | 0.98% | 3.43% | 0.04% | 13,688 |
| Q1 2025 | $291.4M | $225.9M | $203.8M | $37.4M | $701K | 0.96% | 3.20% | 0.03% | 13,544 |
| Q4 2024 | $267.2M | $215.2M | $176.9M | $36.7M | $2.0M | 0.74% | 3.14% | 0.10% | 13,139 |
| Q3 2024 | $258.2M | $206.7M | $172.4M | $36.2M | $1.5M | 0.75% | 3.18% | 0.05% | 12,860 |
| Q2 2024 | $248.1M | $207.9M | $162.3M | $35.6M | $867K | 0.70% | 3.22% | 0.06% | 12,667 |
Loan mix (Q1 2026): real estate $66.0M · commercial $82.6M · consumer $64.8M · securities $61.5M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Oc Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.69% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 5.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.62% | 51th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 78.7% | 35th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Oc Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Oc Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Oc Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Oc Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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