Federal credit union · TOMS RIVER, New Jersey · NCUA charter #18759
Ocean County Employees
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $1.4M
- Total assets
- 350
- Members
- 19.5%
- Net-worth ratio
Ocean County Employees scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.4M; members 350; net-worth ratio 19.50%; health rank #3,634 of 4,374; healthier than 16th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,634 of 4,374 health · 2025Q4Ocean County Employees · health 69/100 · $1.4M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Ocean County Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Ocean County Employees sits in 65-69 with 275 others.
69 16th percentile higher than 16% 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
Peer-gap read for Ocean County Employees
- Delinquency Rate leads the peer set - 0.00% here, 4.48% peer average (-4.48 pp).
- Largest lag: Loan-to-Share Ratio at 29.91% vs peer 52.70% (-22.79 pp).
Where Ocean County Employees sits in New Jersey
- Health composite ranks #82 of 127 among scored New Jersey credit unions.
- New Jersey assets place: #121 of 127.
- Member book place in New Jersey: #116 of 127.
- One place up in New Jersey, Union County Employees (#81) ties at 69/100; one place down, Essex County Teachers (#83) ties at 69/100.
Quarter path for Ocean County Employees
Ocean County Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $1.4M (2025Q4) to $1.5M (2026Q1).
- Net-worth ratio shifted +0.62 pp (18.88% → 19.50%).
This credit union's 19.50% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 69/100 score is built
Ocean County Employees gives up 31 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.50% | -3.43 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.01% | -0.21 pp |
| Member Growth | -5.15% | - |
| Loan-to-Share Ratio | 29.91% | -22.79 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Call Report history - Ocean County Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.5M | - |
| 2025Q4 | $1.4M | 350 |
| 2024Q4 | $1.4M | 369 |
| 2023Q4 | $1.5M | 396 |
Credit Union Details
- Charter Number
- 18759
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- Under $2M
- State
- New Jersey
- City
- TOMS RIVER
- Data Quarter
- 2025Q4
Branch Location
Ocean County Employees operates a single office in Toms River, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Ocean County Employees Federal Credit Union (Main Office) | Toms River, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
- PLAINFIELD POLICE & FIREMEN'SPlainfield, NJ · Under $2M41Health
- CRIERSMonroe Township, NJ · Under $2M77Health
- ELIZABETH POLICE DEPARTMENT EELIZABETH, NJ · Under $2M59Health
- TERMINALSCARTERET, NJ · Under $2M65Health
- MESSIAH BAPTIST CHURCHEast Orange, NJ · Under $2M73Health
Compare Ocean County Employees vs PLAINFIELD POLICE & FIREMEN'S
Other-state peers near Ocean County Employees
Similar health score
Using this data
- Ocean County Employees ranks #3,634 of 4,374 nationally on financial health and #82 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Plainfield Police & Firemen's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Plainfield Police & Firemen's
Frequently Asked Questions
Is Ocean County Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Ocean County Employees scores 69/100 (Good), with a 19.50% net worth ratio and 0.00% of loans delinquent. It ranks #3,634 of 4,374 nationally on health and #82 of 127 in New Jersey.
How does Ocean County Employees compare to other credit unions?
Ocean County Employees scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.00% vs 4.48%). Its widest shortfall is loan-to-share ratio (29.91% vs 52.70%).
How can I join Ocean County Employees?
Ocean County Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Ocean County Employees directly to confirm current membership steps.
Is my money safe at Ocean County Employees?
Ocean County Employees is a federal 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. Ocean County Employees's net worth ratio of 19.50% 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.