TellerScore

Ocnac #1 Federal Credit Union (NCUA charter #5987) is based in Jersey City, New Jersey. Its Q2 2026 call report shows $7.1M in total assets and $6.1M in member shares and deposits and 1 office.

Ocnac #1 Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 62nd. Funding & liquidity contributes the most (100/100, 25% loans-to-deposits, 0% uninsured); loan quality contributes the least (33/100, 2.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.40%
Loan quality33/100
Loans 60+ days delinquent ÷ total loans: 2.02%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity100/100
Loans ÷ shares: 24.7% · 0.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.44%

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 15 points (53 → 68), mostly because the loan quality component improved by 33 points.

TellerScore
526068Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202452
Q3 202453
Q4 202463
Q1 202560
Q2 202553
Q3 202559
Q4 202559
Q1 202661
Q2 202668
Net worth ratio
7.00%9.70%12.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.60%
Q3 202410.95%
Q4 202411.29%
Q1 202511.41%
Q2 202511.35%
Q3 202511.66%
Q4 202511.93%
Q1 202612.31%
Q2 202612.40%
Delinquent loans (60+ days)
2.02%3.11%4.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20242.77%
Q3 20243.35%
Q4 20242.08%
Q1 20252.40%
Q2 20253.18%
Q3 20252.93%
Q4 20253.60%
Q1 20264.21%
Q2 20262.02%
Return on assets
0.70%1.09%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.70%
Q3 20240.91%
Q4 20241.00%
Q1 20250.99%
Q2 20250.83%
Q3 20251.31%
Q4 20251.29%
Q1 20261.48%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$7.1M12.40%2.02%1.13%24.7%
Q1 202661$7.1M12.31%4.21%1.48%26.5%
Q4 202559$7.1M11.93%3.60%1.29%28.9%
Q3 202559$7.1M11.66%2.93%1.31%27.6%
Q2 202553$7.0M11.35%3.18%0.83%28.7%
Q1 202560$6.8M11.41%2.40%0.99%29.3%
Q4 202463$6.8M11.29%2.08%1.00%31.9%
Q3 202453$6.9M10.95%3.35%0.91%31.1%
Q2 202452$6.9M10.60%2.77%0.70%30.2%

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 ratio12.40%
35th
Problem loans2.02%
21st
Net charge-offs11.44%
0th
Return on assets1.13%
73rd
Loans to deposits24.7%
93rd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio3.4%
39th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Public Service H C Employees Federal Credit UnionCredit union Brick, NJ74 out of 100, Strong$7.1M39.5%1.89%vs
Elizabeth (N.J.) Firemen'S Federal Credit UnionCredit union Elizabeth, NJ64 out of 100, Moderate$7.1M11.6%1.16%vs
New Jersey State Pba Federal Credit UnionCredit union Woodbridge, NJ71 out of 100, Strong$7.2M15.5%0.41%vs
Fort Dix Federal Credit UnionCredit union Joint Base MDL, NJ46 out of 100, Below average$7.3M10.7%4.54%vs
Saker Shop Rite Federal Credit UnionCredit union Holmdel, NJ55 out of 100, Moderate$7.3M25.5%3.80%vs
Linden NJ Police & Firemen Federal Credit UnionCredit union Linden, NJ86 out of 100, Very strong$6.9M32.2%0.60%vs

Deposit insurance

Is my money safe at Ocnac #1 Federal Credit Union?

Yes. Ocnac #1 Federal Credit Union is a federally insured credit union (NCUA charter #5987). 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 12.40%, 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

Ocnac #1 Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ocnac #1 Federal Credit Union
Type
Federal credit union
NCUA charter #
5987
RSSD ID
292074
Primary regulator
NCUA
Established
1949
Headquarters
1082 Summit Ave, Jersey City, NJ 07307
Employees
3

Quick answers

Ocnac #1 Federal Credit Union: common questions

Is Ocnac #1 Federal Credit Union NCUA insured?

Yes. Ocnac #1 Federal Credit Union is a federally insured credit union (NCUA charter #5987). 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 Ocnac #1 Federal Credit Union's TellerScore?

68 out of 100 (Moderate), 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 Ocnac #1 Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Jersey City

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs