Credit Union
OCEAN COUNTY EMPLOYEES
Health Score
68/100
Total Assets
$1.4M
Members
350
TOMS RIVER, New Jersey
2026 data Public-data reference. official source

OCEAN COUNTY EMPLOYEES

Open-data reference.

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TOMS RIVER, New Jersey · Charter #18759 · Federal Credit Union
68
Health Score
Good

Health Score

68/100

PlainCU 5-factor composite (NCUA 5300 Call Report)

Charter #

18759

NCUA-issued institution identifier

Source

NCUA

Quarterly 5300 Call Report — 2025Q4

OCEAN COUNTY EMPLOYEES — Share Insurance Coverage

Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.

NCUSIF coverage gauge for OCEAN COUNTY EMPLOYEES Share insurance under NCUSIF covers up to $250,000 per share owner. OCEAN COUNTY EMPLOYEES holds approximately $1.2M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 14.5 percent. Share Insurance Coverage Federal NCUSIF — $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 14.5% · $1.2M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 — share insurance under Title II of the Federal Credit Union Act

OCEAN COUNTY EMPLOYEES — Five Health Pillars

Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.

Health Pillars (0-100)

Health Pillars (0-100) Horizontal bar chart of the top 5 items by value. Health Pillars (0-100) Top 5 1. Net Worth 14.52% 2. Loan Quality 0.00% delinq 3. ROA 0.00% 4. Member Growth -5.15% 5. Liquidity 30% LTS Source: NCUA 5300 Call Report — calculations per PlainCU methodology
Net worth ratio vs. NCUA well-capitalized threshold 96.8%

At 14.52%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$1.4M
Total Assets
350
Members
$350K
Total Loans
$1.2M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 14.52% 30%
Delinquency Rate 0.00% 25%
Return on Assets 0.00% 15%
Member Growth -5.15% 15%
Loan-to-Share Ratio 29.91% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About OCEAN COUNTY EMPLOYEES

OCEAN COUNTY EMPLOYEES is a federal credit union headquartered in TOMS RIVER, New Jersey, serving 350 members with $1.4M in total assets and $350K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 68/100 (Good), anchored by a net worth ratio of 14.52% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #18759 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding — the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 29.91% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital.

Every deposit account at OCEAN COUNTY EMPLOYEES is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -5.15%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Low Income), and current deposit and loan rates should be verified directly with OCEAN COUNTY EMPLOYEES before opening any account or borrowing.

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Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is OCEAN COUNTY EMPLOYEES financially healthy?

OCEAN COUNTY EMPLOYEES has a financial health score of 68/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.52% and delinquency rate of 0.00%.

How does OCEAN COUNTY EMPLOYEES compare to other credit unions?

OCEAN COUNTY EMPLOYEES scores 68/100 on PlainCU's health composite, compared to a peer group average for Under $2M 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 OCEAN COUNTY EMPLOYEES?

Membership eligibility for OCEAN COUNTY EMPLOYEES depends on its field of membership — currently: Low Income. Credit unions typically require a common bond such as employer, location, or association membership. Contact OCEAN COUNTY EMPLOYEES directly for current membership requirements and application steps.

Is my money safe at OCEAN COUNTY EMPLOYEES?

Federal credit unions like OCEAN COUNTY EMPLOYEES 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. OCEAN COUNTY EMPLOYEES's net worth ratio of 14.52% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does OCEAN COUNTY EMPLOYEES offer compared to banks?

Credit unions like OCEAN COUNTY EMPLOYEES 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 OCEAN COUNTY EMPLOYEES directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Read our methodology — how this data is sourced, computed, and verified.