TellerScore

Oc Federal Credit Union is a federal credit union headquartered in Garfield Hts, Ohio, in business for about 72 years. At the end of Q2 2026 it reported $314.9M in total assets and $250.9M in member shares and deposits, with 3 offices.

Oc Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 47th. Problem-loan coverage contributes the most (98/100, 0.9%); earnings contributes the least (59/100, 0.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.50%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.17%
Earnings59/100
Return on assets (annualized): 0.99%
Funding & liquidity69/100
Loans ÷ shares: 91.2% · 6.1% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.93%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 81).

TellerScore
808386Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202483
Q4 202482
Q1 202580
Q2 202582
Q3 202584
Q4 202586
Q1 202680
Q2 202681
Net worth ratio
7.00%10.67%14.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.35%
Q3 202414.02%
Q4 202413.74%
Q1 202512.84%
Q2 202513.24%
Q3 202513.22%
Q4 202513.40%
Q1 202613.42%
Q2 202613.50%
Delinquent loans (60+ days)
0.03%0.14%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.06%
Q3 20240.05%
Q4 20240.10%
Q1 20250.03%
Q2 20250.04%
Q3 20250.11%
Q4 20250.07%
Q1 20260.26%
Q2 20260.17%
Return on assets
0.70%1.04%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.75%
Q4 20240.74%
Q1 20250.96%
Q2 20250.98%
Q3 20251.28%
Q4 20251.39%
Q1 20260.97%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$314.9M13.50%0.17%0.99%91.2%
Q1 202680$310.8M13.42%0.26%0.97%87.3%
Q4 202586$305.7M13.40%0.07%1.39%86.9%
Q3 202584$299.5M13.22%0.11%1.28%86.2%
Q2 202582$288.1M13.24%0.04%0.98%87.7%
Q1 202580$291.4M12.84%0.03%0.96%90.2%
Q4 202482$267.2M13.74%0.10%0.74%82.2%
Q3 202483$258.2M14.02%0.05%0.75%83.4%
Q2 202485$248.1M14.35%0.06%0.70%78.1%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.50%
74th
Problem loans0.17%
91st
Net charge-offs0.02%
95th
Return on assets0.99%
65th
Loans to deposits91.2%
14th
Uninsured deposits6.1%
47th
Loan-loss reserves0.00%
50th
Texas ratio0.9%
90th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Glass City Federal Credit UnionCredit union Maumee, OH78 out of 100, Strong$326.1M11.3%0.22%vs
Vacationland Federal Credit UnionCredit union Sandusky, OH72 out of 100, Strong$326.9M12.8%1.16%vs
Genfed Financial Credit UnionCredit union Akron, OH79 out of 100, Strong$335.9M16.8%1.38%vs
Lormet Community Federal Credit UnionCredit union Amherst, OH91 out of 100, Very strong$283.3M13.7%0.15%vs
Myusa Credit UnionCredit union Middletown, OH64 out of 100, Moderate$351.2M14.2%2.34%vs
Pse Credit Union, Inc.Credit union Parma, OH72 out of 100, Strong$352.5M11.1%0.61%vs

Deposit insurance

Is my money safe at Oc Federal Credit Union?

Yes. Oc Federal Credit Union is a federally insured credit union (NCUA charter #9208). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.1% of shares and deposits ($15.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.50%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Oc Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Oc Federal Credit Union
Type
Federal credit union
NCUA charter #
9208
RSSD ID
314088
Primary regulator
NCUA
Established
1954
Headquarters
13623 Rockside Rd, Garfield Hts, OH 44125
Employees
65

Quick answers

Oc Federal Credit Union: common questions

Is Oc Federal Credit Union NCUA insured?

Yes. Oc Federal Credit Union is a federally insured credit union (NCUA charter #9208). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Oc Federal Credit Union's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Oc Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Garfield Hts

InstitutionScoreAssetsCapitalProblem loansCompare
Credit First National AssociationBank Brook Park, OH94 out of 100, Very strong$39.8M98.3%0.00%vs
Wiremen'S Credit UnionCredit union Parma, OH92 out of 100, Very strong$40.6M17.0%0.11%vs
Solon/Chagrin Falls Federal Credit UnionCredit union Solon, OH90 out of 100, Very strong$9.6M19.8%0.04%vs
Cleveland Selfreliance Federal Credit UnionCredit union Parma, OH88 out of 100, Very strong$113.7M17.3%0.01%vs
Acme Federal Credit UnionCredit union Eastlake, OH88 out of 100, Very strong$15.2M18.9%0.18%vs
Medina County Federal Credit UnionCredit union Wadsworth, OH88 out of 100, Very strong$151.3M12.3%0.09%vs