Federal credit union · TOMS RIVER, New Jersey · NCUA charter #18759
Ocean County Employees
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $1.4M
- Total assets
- 350
- Members
- 14.5%
- Net-worth ratio
Ocean County Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #18759. See our deposit-insurance coverage note.
Ocean County Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)33
- Member growth0
- Liquidity (loan-to-share)58
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.52% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.01% | 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 69/100 (Good), anchored by a net worth ratio of 14.52% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #18759 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers - and a 29.91% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.01% on net income of $129 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -5.15%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 $2M74Health
- ELIZABETH POLICE DEPARTMENT EELIZABETH, NJ · Under $2M59Health
- TERMINALSCARTERET, NJ · Under $2M65Health
- MESSIAH BAPTIST CHURCHEast Orange, NJ · Under $2M68Health
Compare Ocean County Employees vs PLAINFIELD POLICE & FIREMEN'S
Sources & disclaimer
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 scores 69/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.52% net worth ratio and a 0.00% delinquency rate.
How does Ocean County Employees compare to other credit unions?
69/100 is Ocean County Employees's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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?
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?
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.
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.