TellerScore

Headquartered in Toms River, New Jersey, Ocean County Employees Federal Credit Union is a federal credit union with $1.4M in total assets and $1.2M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1968.

Based on its Q2 2026 filing, Ocean County Employees Federal Credit Union scores 97/100, which we describe as very strong. That is higher than 98% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 2nd. Its strongest component is capital cushion (100/100; 19.99%), and its lowest is loan quality (89/100; 0.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.99%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.33%
Earnings100/100
Return on assets (annualized): 2.22%
Funding & liquidity100/100
Loans ÷ shares: 28.4% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.37%

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

From Q2 2025 to Q2 2026, the score rose 4 points (93 → 97), mostly because the earnings component improved by 33 points.

TellerScore
6080100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202461
Q4 202466
Q1 202584
Q2 202593
Q3 202593
Q4 202593
Q1 2026100
Q2 202697
Net worth ratio
7.00%13.49%19.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.90%
Q3 202416.86%
Q4 202417.92%
Q1 202517.86%
Q2 202518.00%
Q3 202517.74%
Q4 202518.88%
Q1 202619.50%
Q2 202619.99%
Delinquent loans (60+ days)
0.00%1.18%2.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.37%
Q3 20242.22%
Q4 20242.08%
Q1 20250.68%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.33%
Return on assets
-1.52%0.70%2.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.52%
Q3 2024-0.43%
Q4 20240.01%
Q1 20250.79%
Q2 20251.18%
Q3 20251.12%
Q4 20251.13%
Q1 20262.91%
Q2 20262.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202697$1.4M19.99%0.33%2.22%28.4%
Q1 2026100$1.5M19.50%0.00%2.91%29.3%
Q4 202593$1.4M18.88%0.00%1.13%29.9%
Q3 202593$1.5M17.74%0.00%1.12%28.2%
Q2 202593$1.5M18.00%0.00%1.18%30.8%
Q1 202584$1.5M17.86%0.68%0.79%31.8%
Q4 202466$1.4M17.92%2.08%0.01%35.2%
Q3 202461$1.5M16.86%2.22%-0.43%31.9%
Q2 202460$1.5M15.90%2.37%-1.52%29.0%

2,479 peers · Under $100 million in assets

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 ratio19.99%
77th
Problem loans0.33%
67th
Net charge-offs0.00%
77th
Return on assets2.22%
96th
Loans to deposits28.4%
90th
Uninsured deposits0.0%
81st
Loan-loss reserves1.43%
86th
Texas ratio0.4%
77th

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Deposit insurance

Is my money safe at Ocean County Employees Federal Credit Union?

Yes. Ocean County Employees Federal Credit Union is a federally insured credit union (NCUA charter #18759). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 19.99%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Ocean County Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ocean County Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
18759
RSSD ID
774280
Primary regulator
NCUA
Established
1968
Headquarters
PO Box 2191, Toms River, NJ 08754
Employees
1

Quick answers

Ocean County Employees Federal Credit Union: common questions

Is Ocean County Employees Federal Credit Union NCUA insured?

Yes. Ocean County Employees Federal Credit Union is a federally insured credit union (NCUA charter #18759). 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 Ocean County Employees Federal Credit Union's TellerScore?

97 out of 100 (Very 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 Ocean County Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Toms River

InstitutionScoreAssetsCapitalProblem loansCompare
Amboy BankBank Old Bridge, NJ80 out of 100, Strong$3.1B12.2%0.30%vs
Public Service H C Employees Federal Credit UnionCredit union Brick, NJ74 out of 100, Strong$7.1M39.5%1.89%vs
Unity BankBank Clinton, NJ69 out of 100, Moderate$3.2B12.9%1.23%vs
Mid Penn BankBank Millersburg, PA69 out of 100, Moderate$7.0B10.4%0.51%vs
The Bank of PrincetonBank Princeton, NJ68 out of 100, Moderate$2.3B11.7%0.92%vs
Metropolitan Commercial BankBank New York, NY66 out of 100, Moderate$8.9B11.1%0.91%vs