State credit union · Ocala, Florida · NCUA charter #67938
Ocala Community
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $47.7M
- Total assets
- 2,615
- Members
- 9.9%
- Net-worth ratio
Ocala Community scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $47.7M; members 2,615; net-worth ratio 9.94%; health rank #3,879 of 4,374; healthier than 11th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,879 of 4,374 health · 2025Q4Ocala Community · health 65/100 · $47.7M · 2025Q4
Call Report peers
Ocala Community in the assets neighbourhood
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Ocala Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Ocala Community sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Ocala Community
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.48 pp (0.67% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -24.10 pp (35.70% vs 59.80%).
Ocala Community: in-state Call Report ranks
- In Florida, health place is #105 of 109 on the same NCUA-ratio sort used nationally.
- Florida assets place: #81 of 109.
- Florida membership ordinal: #87 of 109.
- One place up in Florida, Coral Community (#104) scores 69/100, 4 points higher; one place down, Tropical Financial (#106) ties at 65/100.
Quarter path for Ocala Community
Ocala Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $47.7M (2025Q4) to $49.1M (2026Q1).
- Net-worth ratio shifted -0.24 pp (10.18% → 9.94%).
This credit union's 9.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 65/100 score is built
Ocala Community gives up 35 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio loses the least, 0.2.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 23.3 pts
- Return on Assets 3.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.8 pts
Ocala Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.94% | -4.92 pp |
| Delinquency Rate | 0.67% | -0.48 pp |
| Return on Assets | -0.17% | -0.87 pp |
| Member Growth | -5.87% | - |
| Loan-to-Share Ratio | 35.70% | -24.10 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Ocala Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $49.1M | - |
| 2025Q4 | $47.7M | 2,615 |
| 2024Q4 | $49.1M | 2,778 |
| 2023Q4 | $49.7M | 2,948 |
Credit Union Details
- Charter Number
- 67938
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Florida
- City
- Ocala
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Ocala Community runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Ocala, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Cross-state Call Report peers for Ocala Community
Similar total assets
Similar health score
Using this data
- Ocala Community ranks #3,879 of 4,374 nationally on financial health and #105 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jackson County 1st is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jackson County 1st
Frequently Asked Questions
Is Ocala Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Ocala Community scores 65/100 (Good), with a 9.94% net worth ratio and 0.67% of loans delinquent. It ranks #3,879 of 4,374 nationally on health and #105 of 109 in Florida.
How does Ocala Community compare to other credit unions?
Ocala Community scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.67% vs 1.15%). Its widest shortfall is loan-to-share ratio (35.70% vs 59.80%).
How can I join Ocala Community?
Membership eligibility for Ocala Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Ocala Community directly for current membership requirements and application steps.
Is my money safe at Ocala Community?
Ocala Community is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Ocala Community's net worth ratio of 9.94% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.