TellerScore

Old Ocean Federal Credit Union is a federal credit union headquartered in Sweeny, Texas, in business for about 77 years. At the end of Q2 2026 it reported $41.6M in total assets and $32.5M in member shares and deposits, with 1 office.

Old Ocean Federal Credit Union has a TellerScore of 98 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 6th. Capital cushion contributes the most (100/100, 20.52%); loan quality contributes the least (92/100, 0.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.52%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings100/100
Return on assets (annualized): 2.07%
Funding & liquidity100/100
Loans ÷ shares: 46.7% · 2.9% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.42%

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 2 points (96 → 98), mostly because the loan quality component improved by 5 points.

TellerScore
969899Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202497
Q3 202498
Q4 202498
Q1 202597
Q2 202596
Q3 202599
Q4 202598
Q1 202697
Q2 202698
Net worth ratio
7.00%13.76%20.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.91%
Q3 202418.88%
Q4 202419.55%
Q1 202518.61%
Q2 202519.79%
Q3 202519.94%
Q4 202520.15%
Q1 202619.76%
Q2 202620.52%
Delinquent loans (60+ days)
0.08%0.24%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.33%
Q3 20240.27%
Q4 20240.18%
Q1 20250.22%
Q2 20250.39%
Q3 20250.08%
Q4 20250.16%
Q1 20260.17%
Q2 20260.24%
Return on assets
1.83%2.22%2.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.61%
Q3 20242.53%
Q4 20242.39%
Q1 20251.83%
Q2 20251.87%
Q3 20252.16%
Q4 20251.94%
Q1 20261.88%
Q2 20262.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202698$41.6M20.52%0.24%2.07%46.7%
Q1 202697$42.0M19.76%0.17%1.88%45.2%
Q4 202598$40.2M20.15%0.16%1.94%50.7%
Q3 202599$40.3M19.94%0.08%2.16%48.9%
Q2 202596$41.1M19.79%0.39%1.87%48.5%
Q1 202597$42.7M18.61%0.22%1.83%45.3%
Q4 202498$39.6M19.55%0.18%2.39%50.0%
Q3 202498$40.4M18.88%0.27%2.53%47.9%
Q2 202497$41.4M17.91%0.33%2.61%46.1%

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 ratio20.52%
79th
Problem loans0.24%
71st
Net charge-offs0.48%
28th
Return on assets2.07%
95th
Loans to deposits46.7%
69th
Uninsured deposits2.9%
37th
Loan-loss reserves0.00%
37th
Texas ratio0.4%
76th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Mesquite Credit UnionCredit union Mesquite, TX78 out of 100, Strong$40.8M11.0%0.03%vs
San Angelo Federal Credit UnionCredit union San Angelo, TX84 out of 100, Strong$40.6M12.9%0.73%vs
Bcm Federal Credit UnionCredit union Houston, TX81 out of 100, Strong$42.7M12.6%0.51%vs
Caprock Federal Credit UnionCredit union Lamesa, TX56 out of 100, Moderate$40.4M11.5%1.43%vs
Travis County Credit UnionCredit union Austin, TX49 out of 100, Below average$42.7M9.4%2.24%vs
Keystone Credit UnionCredit union Tyler, TX80 out of 100, Strong$40.2M27.4%0.68%vs

Deposit insurance

Is my money safe at Old Ocean Federal Credit Union?

Yes. Old Ocean Federal Credit Union is a federally insured credit union (NCUA charter #6175). 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 2.9% of shares and deposits ($929K) 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 20.52%, 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

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

  • Sweeny, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Old Ocean Federal Credit Union
Type
Federal credit union
NCUA charter #
6175
RSSD ID
710587
Primary regulator
NCUA
Established
1949
Headquarters
PO Box 867, Sweeny, TX 77480
Employees
10

Quick answers

Old Ocean Federal Credit Union: common questions

Is Old Ocean Federal Credit Union NCUA insured?

Yes. Old Ocean Federal Credit Union is a federally insured credit union (NCUA charter #6175). 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 Old Ocean Federal Credit Union's TellerScore?

98 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 Old Ocean Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Sweeny

InstitutionScoreAssetsCapitalProblem loansCompare
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
Baycel Federal Credit UnionCredit union Bay City, TX91 out of 100, Very strong$92.2M21.8%1.01%vs
Wharton County Teachers Credit UnionCredit union Wharton, TX90 out of 100, Very strong$7.4M28.4%0.18%vs
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
Texasgulf Federal Credit UnionCredit union Wharton, TX81 out of 100, Strong$220.5M14.3%0.61%vs
SouthStar Bank, S.S.B.Bank Moulton, TX77 out of 100, Strong$1.4B13.3%0.62%vs