Federal credit union · Sweeny, Texas · NCUA charter #6175
Old Ocean
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $40.2M
- Total assets
- 3,015
- Members
- 19.8%
- Net-worth ratio
Old Ocean scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.2M; members 3,015; net-worth ratio 19.76%; health rank #1,752 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,752 of 4,374 health · 2025Q4Old Ocean · health 86/100 · $40.2M · 2025Q4
Call Report peers
Old Ocean in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Old Ocean vs every NCUA-scored credit union
Old Ocean sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
Old Ocean: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +4.90 pp (19.76% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -9.09 pp (50.71% vs 59.80%).
Old Ocean: in-state Call Report ranks
- Texas health ordinal: #159 of 386.
- Assets rank #206 of 386 inside Texas ($40.2M reported).
- Membership ranks #214 of 386 among Texas CUs with a reported count (3,015 members).
- One place up in Texas, EDUCATORS (#158) ties at 86/100; one place down, Scurry County School (#160) ties at 86/100.
How Old Ocean's 5300 filing moved
Old Ocean: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.5% from $40.2M (2025Q4) to $42.0M (2026Q1).
- Net-worth ratio shifted -0.39 pp (20.15% → 19.76%).
This credit union's 19.76% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Old Ocean gives up 14 points in total. Member Growth costs the most, 9.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 10.5 pts
Old Ocean health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.76% | +4.90 pp |
| Delinquency Rate | 0.16% | -0.99 pp |
| Return on Assets | 2.36% | +1.65 pp |
| Member Growth | -1.95% | - |
| Loan-to-Share Ratio | 50.71% | -9.09 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Old Ocean
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $42.0M | - |
| 2025Q4 | $40.2M | 3,015 |
| 2024Q4 | $39.6M | 3,075 |
| 2023Q4 | $39.2M | 3,083 |
Credit Union Details
- Charter Number
- 6175
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Sweeny
- Data Quarter
- 2025Q4
Branch Location
Old Ocean operates a single office in Sweeny, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| OLD OCEAN FEDERAL CREDIT UNION (Main Office) | Sweeny, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- Old Ocean ranks #1,752 of 4,374 nationally on financial health and #159 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CAPROCK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CAPROCK
Frequently Asked Questions
Is Old Ocean financially healthy?
On its 2025Q4 NCUA 5300 filing, Old Ocean scores 86/100 (Excellent), with a 19.76% net worth ratio and 0.16% of loans delinquent. It ranks #1,752 of 4,374 nationally on health and #159 of 386 in Texas.
How does Old Ocean compare to other credit unions?
Old Ocean scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (19.76% vs 14.86%). Its widest shortfall is loan-to-share ratio (50.71% vs 59.80%).
How can I join Old Ocean?
Old Ocean 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 Old Ocean directly for the exact boundaries and application steps.
Is my money safe at Old Ocean?
Old Ocean 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. Old Ocean's net worth ratio of 19.76% 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.