Side-by-side · Q2 2026 data
OceanFirst Bank, National Association vs Ocean County Employees Federal Credit Union
Bank
OceanFirst Bank, National Association
Toms River, New Jersey · $10 billion – $100 billion
Credit union
Ocean County Employees Federal Credit Union
Toms River, New Jersey · Under $100 million in assets
Metric by metric
| Measure | OceanFirst Bank, National Association | Ocean County Employees Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 97 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 78 | 89 (stronger) |
| Earnings | 34 | 100 (stronger) |
| Funding & liquidity | 30 | 100 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 39th | 98th |
| Total assets | $23.2B | $1.4M |
| Deposits / shares | $18.0B | $1.2M |
| Capital ratio | 12.62% | 19.99% (stronger) |
| Problem loans | 0.66% | 0.33% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.35% | 2.22% (stronger) |
| Loans ÷ deposits | 89.6% | 28.4% (stronger) |
| Uninsured deposits | 51.8% | 0.0% (stronger) |
| Offices | 73 | 1 |
| CFPB complaints (3 yrs) | 35 | — |
| Complaints per $1B deposits | 1.9 | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Ocean County Employees Federal Credit Union has the higher TellerScore (97 vs 63). On the 7 directional measures above (where higher or lower is clearly better), OceanFirst Bank, National Association leads on 0 and Ocean County Employees Federal Credit Union on 7. 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.