Oceanair Federal Credit Union
Total assets
$870.8M
▼ -1.7% YoY
Shares & deposits
$683.4M
▼ -2.0% YoY
Loans
$744.4M
▲ +6.9% YoY
Members
27,253
▼ -3.1% YoY
ROA (annualized)
0.16%
peers 0.62%
ROE (annualized)
2.10%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +4.8% | -6.4 pts |
| Share growth (YoY) | -2.0% | +4.3% | -6.3 pts |
| Loan growth (YoY) | +6.9% | +4.3% | +2.6 pts |
| ROA | 0.16% | 0.62% | -0.5 pts |
| ROE | 2.1% | 5.9% | -3.8 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 2151 E. Gonzales Rd., Oxnard, CA, 93036
- NCUA charter #
- 7608
- RSSD ID
- 318684
- 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 | $870.8M | $683.4M | $744.4M | $65.4M | $344K | 0.16% | 2.42% | 0.29% | 27,253 |
| Q4 2025 | $867.4M | $685.2M | $739.5M | $65.1M | $-2.1M | -0.24% | 2.15% | 0.35% | 27,330 |
| Q3 2025 | $863.0M | $680.3M | $727.9M | $65.5M | $-2.2M | -0.34% | 2.12% | 0.37% | 27,746 |
| Q2 2025 | $869.9M | $687.6M | $701.1M | $66.0M | $-1.7M | -0.40% | 2.04% | 0.72% | 27,772 |
| Q1 2025 | $885.5M | $697.3M | $696.4M | $66.1M | $-1.7M | -0.76% | 1.90% | 0.45% | 28,127 |
| Q4 2024 | $865.7M | $682.1M | $685.6M | $67.8M | $1.0M | 0.12% | 2.25% | 1.06% | 28,151 |
| Q3 2024 | $866.3M | $672.6M | $676.1M | $67.5M | $148K | 0.02% | 2.30% | 0.41% | 28,166 |
| Q2 2024 | $867.1M | $675.7M | $676.0M | $67.7M | $380K | 0.09% | 2.37% | 0.43% | 27,764 |
Loan mix (Q1 2026): real estate $375.4M · commercial $219.6M · consumer $54.3M · securities $43.0M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.62% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 5.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.42% | 3.48% | 4th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 78.3% | 91th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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