Federal credit union · jersey city, New Jersey · NCUA charter #5987
Ocnac #1
Health score 56/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $7.1M
- Total assets
- 2,172
- Members
- 12.3%
- Net-worth ratio
Ocnac #1 scores 56/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.1M; members 2,172; net-worth ratio 12.31%; health rank #4,162 of 4,374; healthier than 5th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,162 of 4,374 health · 2025Q4Ocnac #1 · health 56/100 · $7.1M · 2025Q4
- PHOTO 56/100
- BOOK 12.3%
- CHARTER 3.60%
- NCUSIF 0.96%
- CAMELS $7.1M
- HEALTH 2,172
- NW #4,162/4,374
- DELQ n/a
- ROA 5987
Call Report peers
Ocnac #1 carries $7.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Ocnac #1 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
56 5th percentile higher than 5% 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
Ocnac #1 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #5987. See our deposit-insurance coverage note.
Where Ocnac #1 diverges from peer averages
- Return on Assets leads the peer set - 0.96% here, 0.45% peer average (+0.50 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -34.69 pp (28.91% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Ocnac #1 sits in New Jersey
- In New Jersey, health place is #116 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #97 of 127 inside New Jersey ($7.1M reported).
- New Jersey membership ordinal: #59 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Ocnac #1's 5300 filing moved
Ocnac #1: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $7.1M (2025Q4) to $7.1M (2026Q1).
- Net-worth ratio shifted +0.38 pp (11.93% → 12.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 56/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 56.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 2.5 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.5 pts
Call Report ratios for Ocnac #1
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.31% | -6.75 pp |
| Delinquency Rate | 3.60% | +1.79 pp |
| Return on Assets | 0.96% | +0.50 pp |
| Member Growth | -5.61% | - |
| Loan-to-Share Ratio | 28.91% | -34.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Ocnac #1
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.1M | - |
| 2025Q4 | $7.1M | 2,172 |
| 2024Q4 | $6.8M | 2,301 |
| 2023Q4 | $6.9M | 2,365 |
Credit Union Details
- Charter Number
- 5987
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- jersey city
- Data Quarter
- 2025Q4
Branch Location
Ocnac #1 operates a single office in jersey city, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 1082 summit ave (Main Office) | jersey city, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Ocnac #1, both outside New Jersey so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (56/100 here).
Using this data
- Ocnac #1 ranks #4,162 of 4,374 nationally on financial health and #116 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Elizabeth (N.J.) Firemen's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Elizabeth (N.J.) Firemen's
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey 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 Ocnac #1 financially healthy?
Ocnac #1 scores 56/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,162 of 4,374; by total assets it ranks #3,728 of 4,374 nationally (same basis as /rankings/largest); and #97 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.31% net worth ratio and a 3.60% delinquency rate.
How does Ocnac #1 compare to other credit unions?
PlainCU's health composite puts Ocnac #1 at 56/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Ocnac #1?
Ocnac #1 operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Ocnac #1 directly for the exact boundaries and application steps.
Is my money safe at Ocnac #1?
Federal credit unions like Ocnac #1 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. Ocnac #1's net worth ratio of 12.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ocnac #1 offer compared to banks?
Credit unions like Ocnac #1 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 Ocnac #1 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.