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
- NCUSIF 65/100
- CAMELS 9.9%
- HEALTH 0.67%
- NW -0.17%
- DELQ $47.7M
- ROA 2,615
- ASSETS #3,879/4,374
- MEM Worcester Fire Dept.
- RANK 67938
Call Report peers
Ocala Community in the assets neighbourhood
Ocala Community's $47.7M assets sit next to Worcester Fire Dept. ($47.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Ocala Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Ocala Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67938, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Ocala Community
Ocala Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $47.7M (2025Q4) to $49.1M (2026Q1).
- Net-worth ratio shifted -0.24 pp (10.18% → 9.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Ocala Community, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($47.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Ocala Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Ocala Community carries a financial health score of 65/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,879 of 4,374; by total assets it ranks #2,438 of 4,374 nationally (same basis as /rankings/largest); and #81 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.94% net worth ratio and a 0.67% delinquency rate.
How does Ocala Community compare to other credit unions?
Ocala Community scores 65/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Ocala Community are 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."
What rates does Ocala Community offer compared to banks?
Credit unions like Ocala Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Ocala Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.