Side-by-side · Q2 2026 data
Nassau Financial Federal Credit Union vs Ocean Financial Federal Credit Union
Credit union
Nassau Financial Federal Credit Union
East Meadow, New York · $100 million – $1 billion
Credit union
Ocean Financial Federal Credit Union
Oceanside, New York · $100 million – $1 billion
Metric by metric
| Measure | Nassau Financial Federal Credit Union | Ocean Financial Federal Credit Union |
|---|---|---|
| TellerScore | 50 (stronger) | 40 |
| Capital cushion | 12 | 32 (stronger) |
| Loan quality | 86 (stronger) | 26 |
| Earnings | 13 | 25 (stronger) |
| Funding & liquidity | 90 (stronger) | 83 |
| Problem-loan coverage | 91 (stronger) | 61 |
| Peer percentile | 6th | 1st |
| Total assets | $334.4M | $403.3M |
| Deposits / shares | $319.1M | $377.7M |
| Capital ratio | 6.20% | 8.17% (stronger) |
| Problem loans | 0.41% (stronger) | 2.21% |
| Net charge-offs | 0.07% | 0.05% (stronger) |
| Return on assets | -0.16% | 0.12% (stronger) |
| Loans ÷ deposits | 69.9% (stronger) | 76.9% |
| Uninsured deposits | 2.3% (stronger) | 13.8% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 53.3% |
Nassau Financial Federal Credit Union has the higher TellerScore (50 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Nassau Financial Federal Credit Union leads on 4 and Ocean Financial Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.