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.
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#4,162 of 4,374 health · 2025Q4Ocnac #1 · health 56/100 · $7.1M · 2025Q4
Call Report peers
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Ocnac #1 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Ocnac #1 sits in 55-59 with 115 others.
56 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New Jersey, RIDGEDALE (#115) scores 57/100, 1 point higher; one place down, Heard a.M.E. (#117) ties at 56/100.
How Ocnac #1's 5300 filing moved
Ocnac #1: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $7.1M (2025Q4) to $7.1M (2026Q1).
- Net-worth ratio shifted +0.38 pp (11.93% → 12.31%).
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
Ocnac #1 gives up 44 points in total. Delinquency Rate costs the most, 22.5 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Ocnac #1 financially healthy?
Ocnac #1 has a financial health score of 56/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,162 of 4,374 nationally on health and #116 of 127 in New Jersey. Its net worth ratio is 12.31% and its delinquency rate 3.60%.
How does Ocnac #1 compare to other credit unions?
Ocnac #1 scores 56/100, higher than 5% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is return on assets (0.96% vs 0.45%). Its widest shortfall is loan-to-share ratio (28.91% vs 63.60%).
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?
Ocnac #1 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. Ocnac #1's net worth ratio of 12.31% 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.