Preheat oven to 350 degrees and prep four ramekins or a baking dish by spraying lightly with oil.
Add all ingredients except for chocolate chips into a food processor or high speed blender. Blend on high until batter is smooth, 1-2 minutes stopping to scrape down the sides as needed.
Stir in chocolate chips.
Pour batter evenly into each ramekin and top with more chocolate chips as desired.
Bake at 350 for 20-25 minutes. When baked oats are ready, they will feel firm at the top with some give if you press down. A fork should come out mostly clean with a few crumbs.