Credit Union Safety Analysis
Is Ocala Community Credit Union Safe? Ocala, Florida
Based on its Q2 2026 NCUA 5300 call report, Ocala Community Credit Union has a net worth ratio of 10.13%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.57%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Ocala Community Credit Union's net worth ratio is 10.13%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.13%
- Delinquency ratio (60+ days) (Q2 2026): 2.57%
- Return on assets (Q2 2026): 0.93%
- Loan-to-share ratio (Q2 2026): 33.66%
Ocala Community Credit Union (NCUA charter 67938, established 1979) reported $49.3M in assets and 2,547 members for Q2 2026 from Ocala, Florida. It ranks 80 of 106 credit unions in Florida by total assets. Total assets fell 1.5% from $50.0M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 9.94% for Q1 2026; 9.28% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.27% for Q1 2026; 1.32% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.21% for Q1 2026; -0.15% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 32.40% for Q1 2026; 37.32% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $4.9M
- Other secured non-real estate loans and lines of credit: $3.2M
- 1- to 4-family residential and other consumer real estate loans: $2.6M
- New vehicle loans: $2.0M
- Unsecured credit card loans: $1.8M
- Other unsecured loans and lines of credit: $315K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $49.3M | 10.13% | 2.57% | 0.93% | 33.66% |
| March 31, 2026 | $49.1M | 9.94% | 1.27% | 0.21% | 32.40% |
| December 31, 2025 | $47.7M | 10.18% | 0.67% | 0.80% | 35.70% |
| September 30, 2025 | $48.3M | 9.94% | 0.59% | 1.33% | 37.11% |
| June 30, 2025 | $50.0M | 9.28% | 1.32% | -0.15% | 37.32% |
| March 31, 2025 | $49.5M | 9.40% | 0.13% | 0.53% | 39.25% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Ocala Community Credit Union profile
Regulator records: NCUA credit union profile (charter 67938) · FFIEC NIC profile (RSSD 1226544)
Frequently asked questions
Is Ocala Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Ocala Community Credit Union's net worth ratio is 10.13%, above the 7% NCUA threshold for well capitalized.
Is Ocala Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Ocala Community Credit Union is a federally insured credit union (NCUA charter 67938): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Ocala Community Credit Union's key safety ratios?
For Q2 2026, Ocala Community Credit Union reports net worth 10.13%, delinquency 2.57%, ROA 0.93%, loan-to-share 33.66%.
What happens to my money if Ocala Community Credit Union fails?
For Q2 2026, Ocala Community Credit Union held $43.9M in shares and deposits for 2,547 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.