CU Explorer
Credit unions · Rhode Island · Q2 2026

Ocean State CU

Credit union in Coventry, RI · NCUA charter #66595 · State charter (federally insured)

Legal name: Ocean State

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$351M
Total loans & leases$275M
Total shares & deposits$284M
Members22,400
Net worth$39.9M
Net worth / assets11.37%
Loans / assets78.45%
Return on assets (annualized)0.04%
Loan growth (YoY)−4.08%
Member growth (YoY)−0.92%
Delinquency, all loans (60+ days)1.55%
CharterState charter (federally insured)
Asset band$250M–$1B
NCUA peer group$100M–$500M
Sponsor typeGovernment (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search, web search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online loan application, online account opening, online loan payments, bill payment, e-Statements, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

Open Ocean State CU in the explorer →Compare with peersFinancial statements

In the explorer: ten-year history for every metric, balance sheet and income statement drill-downs, percentile rankings against asset-size peers, leaders and board, branches, and growth opportunities.

Email this page

Other credit unions in Rhode Island

COASTAL1 CUPawtucketCommunity & Teachers FCUEast ProvidenceCumberland Municipal Employees FCUCumberlandGreenwood CUWarwickNatco Employees FCUWest WarwickNavigant CUSmithfieldPawtucket Municipal Employees FCUPawtucketRhode Island CUWarwickThe Peoples CUMiddletownWave FCUWarwickWesterly Community CUWakefield

All credit unions in Rhode Island →