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.

From Q2 2025 to Q2 2026, the score fell 9 points (49 → 40), mostly because the loan quality component weakened by 28 points.

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

Similar-size credit unions in New York

Yes. Ocean Financial Federal Credit Union is a federally insured credit union (NCUA charter #19269). 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 13.8% of shares and deposits ($52.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.17%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Ocean Financial Federal Credit Union lists 4 offices in 3 cities. Most locations:

• Rockville Centre, NY (2)
• Oceanside, NY (1)
• Seaford, NY (1)

All branch addresses and map

In 2025, Ocean Financial Federal Credit Union reported 55 home-loan applications under HMDA (LEI 254900VFRQR5ZLXRQ298): 21 originated ($7,845,000 total), 24 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 53.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Ocean Financial Federal Credit Union

Type

Federal credit union

NCUA charter #

19269

RSSD ID

714183

Primary regulator

NCUA

Established

1969

Headquarters

45 Atlantic Avenue, Oceanside, NY 11572

Employees

45