OCEAN FINANCIAL
Federal • Oceanside, New York • Est. 1969
Quick Facts
- Charter Number
- #19269
- Type
- Federal
- Established
- 1969
- Headquarters
- Oceanside, New York 11572-2035
- Address
- 45 Atlantic Ave
- Branches
- 5
- ATMs
- 4
- Members
- 14,135
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
14,135 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | OCEAN FINANCIAL |
|---|---|
| Total Assets | $401.5M |
| Members | 14,135 |
| Loans Outstanding | $292.8M |
| Shares & Deposits | $375.7M |
| Net Worth | $32.9M |
| Net Worth Ratio | 8.21% |
| Loan-to-Share Ratio | 77.9% |
| Delinquency Rate | 1.24% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
5 locations · 4 ATMs
Oceanside
Main Office45 Atlantic Ave
Oceanside, NY 11572-2035
Seaford
4050 Merrick Rd
Seaford, NY 11783
Morris Ave Back Office
21 Morris Ave
Rockville Centre, NY 11570-5336
Molloy University
1000 Hempstead Ave
Rockville Centre, NY 11570-1135
Mercy Hospital
1000 N Village Ave
Rockville Centre, NY 11570
Who Can Join OCEAN FINANCIAL?
Membership Type: Community
Membership eligibility for OCEAN FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact OCEAN FINANCIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
OCEAN FINANCIAL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, OCEAN FINANCIAL has 14,135 members and a potential membership field of 1,000,000 people.
OCEAN FINANCIAL's reported net worth ratio is 8.21% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
OCEAN FINANCIAL operates 5 branch locations and has access to 4 ATMs. The main office is located at 45 Atlantic Ave, Oceanside, NY 11572-2035.
OCEAN FINANCIAL was established in 1969. It is a federal credit union chartered under charter number 19269. The institution has been serving members for 57 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or OCEAN FINANCIAL. All financial data is for informational purposes only.