Man, finding those good OC crossover fics for OPM is like trying to find a serious fight for Saitama—tough but so rewarding when you do. Most rec lists just circle the same ten popular ships, but the crossover stuff with original characters often ends up in the weird, wonderful corners of AO3 or FanFiction.net.
I’d steer you toward 'Unlimited Punch Works' on AO3. It’s a Fate/stay night crossover where a mage from the Clock Tower ends up in City Z. The author actually builds a whole new mystic code system that interacts with the monster association stuff, and the OC isn’t just a passenger—they have a proper dynamic with Genos, trying to analyze Saitama’s ‘energy’ while Genos tries to analyze their magecraft. It’s more about the worldbuilding clash than just inserting a powerful new hero.
There’s also this older, kinda rough gem called 'A Class of Her Own' where an OC bureaucrat from the ‘Reaper’ universe (from 'Overwatch') gets transferred to the Hero Association’s logistics division. The fun is all in the dry, administrative horror of trying to apply sensible paperwork to the S-Class. The tone is completely different, almost a workplace comedy, and it works because the OC’s power is useless in a fight but vital for untangling HA red tape.
You gotta filter carefully, though. So many just drop a Jedi or a Hogwarts student in and have them instantly rival Saitama, which misses the point. The best ones let the OC be fundamentally out of their depth in OPM’s absurd power scale, and the story comes from how they adapt, not from becoming the new main character.