BlastPoint's Credit Union Scorecard

OCEAN FINANCIAL

Charter #19269 · NY

100M-500M

1070 CUs in 100M-500M nationally 55 in NY

OCEAN FINANCIAL has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Loan-to-Member Ratio (LMR): Top 3.2% in tier
+ Average Member Relationship (AMR): Top 3.4% in tier
+ Total Deposits: Top 6.2% in tier
+ Total Loans: Top 6.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.51% below tier average
- Efficiency ratio 9.96% above tier (higher cost structure)
- Delinquency rate 0.47% above tier average
- Share Certificate Concentration (%): Bottom 2.1% in tier
- Net Interest Margin (NIM): Bottom 3.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	14,135 -1.3% YoY+0.6% QoQ	-1.0K	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	54%
Assets	$401.5M +5.3% YoY-1.5% QoQ	+$169.8M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	Top 10.8% in tier
Loans	$292.8M +12.4% YoY+2.9% QoQ	+$148.6M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	Top 6.5% in tier
Deposits	$375.7M +4.5% YoY+1.7% QoQ	+$174.6M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	Top 6.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% +108.3% QoQ	-0.5%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	17%
NIM	2.4% +7.2% YoY+5.0% QoQ	-1.2%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	Bottom 3.7% in tier
Efficiency Ratio	88.0% -7.7% YoY-2.6% QoQ	+10.0%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	1.2% -14.4% YoY-15.4% QoQ	+0.5	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	84%
Loan To Share	77.9% +7.6% YoY+1.2% QoQ	+7.5%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	62%
AMR	$47,291 +9.2% YoY+1.7% QoQ	+$22K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	Top 3.5% in tier
CD Concentration	48.6% +7.1% YoY+3.3% QoQ	+24.4%	24.3%	16.4%	19.8%	50%
Indirect Auto %	2.6% -36.3% YoY-8.9% QoQ	-11.2%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#46 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 9.15%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#157 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.15%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (3)

Efficiency Drag

risk

#192 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.98%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.26% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -1.25%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Membership Headwinds

decline

#456 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.25%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#471 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.25%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 12.38%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 1.24%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $20,711

Peer Median: $9,356

#35 of 1070 Top 3.2% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $47,291

Peer Median: $22,931

#37 of 1070 Top 3.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $375.70M

Peer Median: $171.29M

#67 of 1070 Top 6.2% in 100M-500M tier

Total Loans

balance_sheet

Value: $292.76M

Peer Median: $121.41M

#70 of 1070 Top 6.4% in 100M-500M tier

116

Total Assets

balance_sheet

Value: $401.51M

Peer Median: $196.57M

#116 of 1070 Top 10.7% in 100M-500M tier

118

Loan Growth Rate

growth

Value: 12.38%

Peer Median: 2.93%

#118 of 1070 Top 10.9% in 100M-500M tier

127

AMR Growth Rate

growth

Value: 9.15%

Peer Median: 3.46%

#127 of 1070 Top 11.8% in 100M-500M tier

128

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.35%

#128 of 1070 Top 11.9% in 100M-500M tier

Top Weaknesses (7 metrics)

1049

Share Certificate Concentration (%)

balance_sheet

Value: 48.63%

Peer Median: 23.10%

#1049 of 1070 Bottom 2.1% in 100M-500M tier

1030

Net Interest Margin (NIM)

profitability

Value: 2.44%

Peer Median: 3.62%

#1030 of 1070 Bottom 3.8% in 100M-500M tier

1021

Net Worth Ratio

risk

Value: 8.21%

Peer Median: 11.45%

#1021 of 1070 Bottom 4.7% in 100M-500M tier

933

Fee Income Per Member

profitability

Value: $86.93

Peer Median: $154.95

#933 of 1070 Bottom 12.9% in 100M-500M tier

903

Total Delinquency Rate (60+ days)

risk

Value: 1.24%

Peer Median: 0.61%

#903 of 1070 Bottom 15.7% in 100M-500M tier

884

Return on Assets (ROA)

profitability

Value: 0.22%

Peer Median: 0.69%

#884 of 1070 Bottom 17.5% in 100M-500M tier

854

Efficiency Ratio

profitability

Value: 87.98%

Peer Median: 78.68%

#854 of 1070 Bottom 20.3% in 100M-500M tier