Ocala Community Credit Union Ocala, Florida
Ocala Community Credit Union is a state-chartered credit union headquartered in Ocala, FL, established in 1979 (NCUA charter 67938), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,547 members and total assets of $49.3M (down 1.5% from Q2 2025), the 80th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 10.13% at Q2 2026, in the well capitalized band.
Also written as Ocala Community CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67938
- Headquarters
- Ocala, FL
- Established
- 1979
- Total assets, Q2 2026
- $49.3M
- Assets vs Q2 2025
- -1.5%
- Members, Q2 2026
- 2,547
- Net worth ratio, Q2 2026
- 10.13%
- Latest call report
- Q2 2026, NCUA 5300 · Ocala Community Credit Union call report
- Asset rank in state
- 80th of 106 in Florida
- Routing number
- 263181151
- Branches
- 1
It has 124 fewer members than on June 30, 2025 (-4.6%). Its net worth ratio was up 0.85 percentage points from 9.28% on June 30, 2025. Used vehicle loans are its largest loan category, $4.9M of $14.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.57% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 10.13% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Florida
Frequently asked about Ocala Community Credit Union
How big is Ocala Community Credit Union?
At Q2 2026 it reported total assets of $49.3M and 2,547 members.
Where is Ocala Community Credit Union headquartered?
It is headquartered in Ocala, FL, United States.
When was Ocala Community Credit Union founded?
It was established in 1979, per NCUA records.
Is Ocala Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67938): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Ocala Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Ocala Community Credit Union well capitalized?
Its net worth ratio was 10.13% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Ocala Community Credit Union's delinquency ratio?
Its delinquency ratio was 2.57% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Ocala Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 33.66% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Ocala, FL 34471
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 67938
- RSSD ID
- 1226544
- Members
- 2,547
- Potential members
- 116,674
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 10.13% | 14.31% | 17th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.93% | 0.72% | 59th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.20% | 4.74% | 77th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.21% | 3.93% | 22nd bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 69.37% | 79.83% | 72nd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.92% | 0.78% | 42nd below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.57% | 0.86% | 20th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.13% | 4.70% | 23rd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 33.66% | 58.92% | 15th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$49.3M total assets against $50.0M; $43.9M total shares and deposits against $44.8M; $14.8M total loans against $16.7M.
$5.0M net worth against $4.6M.
10.13% net worth ratio against 9.28%.
33.66% loan-to-share ratio against 37.32%.
2.57% delinquency ratio against 1.32%.
0.93% return on assets against -0.15%; 9.20% return on equity against -1.58%.
3.21% net interest margin against 2.73%.
2,547 members against 2,671.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.13% | 0.93% | 2.57% | 33.66% |
| March 31, 2026 | 9.94% | 0.21% | 1.27% | 32.40% |
| December 31, 2025 | 10.18% | 0.80% | 0.67% | 35.70% |
| September 30, 2025 | 9.94% | 1.33% | 0.59% | 37.11% |
| June 30, 2025 | 9.28% | -0.15% | 1.32% | 37.32% |
| March 31, 2025 | 9.40% | 0.53% | 0.13% | 39.25% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.