Side-by-side · Q2 2026 data
NorthEast Community Bank vs Ocean Financial Federal Credit Union
Credit union
Ocean Financial Federal Credit Union
Oceanside, New York · $100 million – $1 billion
Metric by metric
| Measure | NorthEast Community Bank | Ocean Financial Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 40 |
| Capital cushion | 100 (stronger) | 32 |
| Loan quality | 100 (stronger) | 26 |
| Earnings | 100 (stronger) | 25 |
| Funding & liquidity | 36 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 61 |
| Peer percentile | 99th | 1st |
| Total assets | $2.1B | $403.3M |
| Deposits / shares | $1.5B | $377.7M |
| Capital ratio | 17.32% (stronger) | 8.17% |
| Problem loans | 0.00% (stronger) | 2.21% |
| Net charge-offs | 0.06% | 0.05% (stronger) |
| Return on assets | 2.00% (stronger) | 0.12% |
| Loans ÷ deposits | 123.9% | 76.9% (stronger) |
| Uninsured deposits | 28.0% | 13.8% (stronger) |
| Offices | 12 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 53.3% |
NorthEast Community Bank has the higher TellerScore (90 vs 40). On the 7 directional measures above (where higher or lower is clearly better), NorthEast Community Bank leads on 4 and Ocean Financial Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.