Side-by-side · Q2 2026 data
Ocean Financial Federal Credit Union vs Family First of NY Federal Credit Union
Credit union
Ocean Financial Federal Credit Union
Oceanside, New York · $100 million – $1 billion
Credit union
Family First of NY Federal Credit Union
Rochester, New York · $100 million – $1 billion
Metric by metric
| Measure | Ocean Financial Federal Credit Union | Family First of NY Federal Credit Union |
|---|---|---|
| TellerScore | 40 | 66 (stronger) |
| Capital cushion | 32 | 70 (stronger) |
| Loan quality | 26 | 80 (stronger) |
| Earnings | 25 | 40 (stronger) |
| Funding & liquidity | 83 (stronger) | 50 |
| Problem-loan coverage | 61 | 92 (stronger) |
| Peer percentile | 1st | 37th |
| Total assets | $403.3M | $345.3M |
| Deposits / shares | $377.7M | $258.7M |
| Capital ratio | 8.17% | 11.99% (stronger) |
| Problem loans | 2.21% | 0.59% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.17% |
| Return on assets | 0.12% | 0.50% (stronger) |
| Loans ÷ deposits | 76.9% (stronger) | 111.5% |
| Uninsured deposits | 13.8% | 4.6% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 53.3% | — |
Family First of NY Federal Credit Union has the higher TellerScore (66 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Ocean Financial Federal Credit Union leads on 2 and Family First of NY Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.