Coventry, Rhode Island · Peer group 5
Ocean State Credit Union
Ocean State Credit Union holds $351.3M in assets across 22,117 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1950. Charter number 66595, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $351.3M |
|---|---|
| Total loans | $275.6M |
| Total shares (deposits) | $284.5M |
| Net worth | $39.9M |
| Members | 22,117 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.9% | |
|---|---|---|
| Loans | -2.9% | around the 18th percentile of its peer group |
| Deposits | 4.9% | around the 64th percentile of its peer group |
| Members | -1.9% | around the 30th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 96.9% | higher than 97% of its peer group |
|---|---|---|
| Net worth ratio | 11.4% | around the 48th percentile of its peer group |
| Return on assets | 0.13% | around the 13th percentile of its peer group |
| Delinquency ratio | 1.54% | higher than 90% of its peer group |
| Cash / assets | 13.8% | around the 74th percentile of its peer group |
| Borrowings / assets | 6.4% | higher than 96% of its peer group |
What this page does not show
Everything above is Ocean State Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Rhode Island — the comparison set a peer ratio is measured against.
- Rhode Island Credit Union
Warwick, RI
$426.8M · 27,935 members
- Westerly Community Credit Union
Wakefield, RI
$511.4M · 21,705 members
- Wave Credit Union
WARWICK, RI
$155.0M · 6,872 members
- Cranston Municipal Employees Credit Union
CRANSTON, RI
$78.6M · 3,159 members
- Blackstone River Credit Union
Woonsocket, RI
$75.3M · 4,290 members
- Community & Teachers Credit Union
East Providence, RI
$30.8M · 1,541 members
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