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
- HEALTH 86/100
- NW 19.8%
- DELQ 0.16%
- ROA 2.36%
- ASSETS $40.2M
- MEM 3,015
- RANK #1,752/4,374
- PHOTO Westchester Schools'
- BOOK 6175
Call Report peers
Old Ocean in the assets neighbourhood
Old Ocean's $40.2M assets sit next to Westchester Schools' ($40.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #6175: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Old Ocean's 5300 filing moved
Old Ocean: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.5% from $40.2M (2025Q4) to $42.0M (2026Q1).
- Net-worth ratio shifted -0.39 pp (20.15% → 19.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Old Ocean - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($40.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 Old Ocean financially healthy?
Old Ocean scores 86/100 (Excellent) 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 #1,752 of 4,374; by total assets it ranks #2,599 of 4,374 nationally (same basis as /rankings/largest); and #206 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.76% net worth ratio and a 0.16% delinquency rate.
How does Old Ocean compare to other credit unions?
Old Ocean scores 86/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Old Ocean 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. Old Ocean's net worth ratio of 19.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Old Ocean offer compared to banks?
Credit unions like Old Ocean 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 Old Ocean 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.