| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | OCFC | SPY | Δ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 · ytd | +4.5% | −2.6% | −0.1% | +6.8% | −1.5% | +3.9% | +1.0% | — | — | — | — | — | +12.3% | +7.5% | +4.7pp |
| 2025 | −1.9% | +2.6% | −5.6% | −2.6% | +2.7% | +4.8% | −4.7% | +11.0% | −4.5% | +3.5% | +4.8% | −4.8% | +3.9% | +17.7% | −13.8pp |
| 2024 | −0.7% | −10.7% | +8.0% | −10.1% | +3.3% | +5.6% | +14.3% | −0.4% | +4.0% | −2.1% | +14.9% | −12.5% | +9.4% | +24.9% | −15.5pp |
| 2023 | +12.6% | −0.0% | −22.1% | −13.4% | −9.9% | +10.0% | +19.3% | −8.5% | −14.2% | −12.5% | +11.1% | +25.3% | −14.2% | +26.2% | −40.4pp |
| 2022 | +2.3% | −0.7% | −10.2% | −6.8% | +8.7% | −5.2% | +7.5% | −4.5% | −4.1% | +21.1% | +4.4% | −9.0% | −0.9% | −18.2% | +17.3pp |
| 2021 | −2.5% | +20.7% | +10.2% | −4.5% | −2.5% | −5.7% | −4.3% | +9.9% | +0.7% | +3.5% | −6.3% | +7.7% | +26.0% | +28.7% | −2.8pp |
| 2020 | −8.9% | −11.5% | −22.2% | +5.9% | +0.1% | +5.6% | −12.2% | +1.9% | −12.3% | +9.3% | +6.6% | +18.1% | −24.1% | +18.3% | −42.4pp |
| 2019 | +6.7% | +5.7% | −4.5% | +4.7% | −4.8% | +4.3% | −1.8% | −13.2% | +12.3% | +1.4% | +0.9% | +6.5% | +16.7% | +31.2% | −14.5pp |
| 2018 | +0.8% | −1.6% | +3.4% | +0.9% | +9.3% | +2.2% | −2.6% | +0.6% | −6.8% | −7.0% | +2.5% | −12.7% | −12.2% | −4.6% | −7.7pp |
| 2017 | −5.4% | +3.3% | −3.5% | −1.9% | −3.6% | +2.3% | −0.1% | −7.3% | +10.1% | +0.9% | +0.6% | −5.4% | −10.7% | +21.7% | −32.4pp |
A month’s return is its month-end close over the prior month-end’s, so a year’s figure is exactly the product of its twelve monthly cells — no separate annualisation, no resampling. A blank cell means no return exists for that month (the series had not started, or it is the very first month-end, which has nothing to be measured against). Blank is never zero.
Basis. OCFC is on the total return (splits + dividends) basis, SPY on the total return (splits + dividends) basis. Both columns are on the same basis, so the Δ column is a like-for-like difference.
Partial years. A year marked “ytd” or “part” does not cover the full calendar year: either the stored history starts inside it (the figure is measured from the first month-end present) or the data stops before December (the figure runs through the last stored close). The row’s own tooltip names the exact boundary. It is never dressed up as a calendar-year return.
End of day. These are stored end-of-day closes, and the window is anchored on the LAST stored bar rather than today’s date — so the newest row ends where the data ends. Nothing here is intraday.
