Side-by-side · Q2 2026 data
Suma Federal Credit Union vs Ocean Financial Federal Credit Union
Credit union
Ocean Financial Federal Credit Union
Oceanside, New York · $100 million – $1 billion
Metric by metric
| Measure | Suma Federal Credit Union | Ocean Financial Federal Credit Union |
|---|---|---|
| TellerScore | 56 (stronger) | 40 |
| Capital cushion | 73 (stronger) | 32 |
| Loan quality | 27 (stronger) | 26 |
| Earnings | 44 (stronger) | 25 |
| Funding & liquidity | 71 | 83 (stronger) |
| Problem-loan coverage | 75 (stronger) | 61 |
| Peer percentile | 13th | 1st |
| Total assets | $468.3M | $403.3M |
| Deposits / shares | $410.4M | $377.7M |
| Capital ratio | 12.25% (stronger) | 8.17% |
| Problem loans | 2.19% (stronger) | 2.21% |
| Net charge-offs | 0.35% | 0.05% (stronger) |
| Return on assets | 0.60% (stronger) | 0.12% |
| Loans ÷ deposits | 80.8% | 76.9% (stronger) |
| Uninsured deposits | 22.1% | 13.8% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 53.3% |
Suma Federal Credit Union has the higher TellerScore (56 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Suma 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.