OCEAN FINANCIAL
Federal • Oceanside, New York • Est. 1969
Quick Facts
- Charter Number
- #19269
- Type
- Federal
- Established
- 1969
- Headquarters
- Oceanside, New York 11572
- Address
- 45 Atlantic Avenue
- Branches
- 4
- ATMs
- 3
- Members
- 14,057
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
14,057 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | OCEAN FINANCIAL |
|---|---|
| Total Assets | $407.6M |
| Members | 14,057 |
| Loans Outstanding | $284.4M |
| Shares & Deposits | $369.5M |
| Net Worth | $32.7M |
| Net Worth Ratio | 8.03% |
| Loan-to-Share Ratio | 77.0% |
| Delinquency Rate | 1.47% |
| Net Income | +$1,022,592 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 3 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
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
Browse all federally insured credit unions in New York, ranked by assets, members, and financial health score.
View New York RankingsFrequently Asked Questions
Yes. OCEAN FINANCIAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, OCEAN FINANCIAL has 14,057 members and a potential membership field of 1,000,000 people.
OCEAN FINANCIAL's net worth ratio is 8.03% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 8.0%, OCEAN FINANCIAL meets this threshold.
OCEAN FINANCIAL operates 4 branch locations and has access to 3 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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or OCEAN FINANCIAL. All financial data is for informational purposes only.