Side-by-side · Q2 2026 data
1st Source Bank vs Omni Community Credit Union
Credit union
Omni Community Credit Union
Battle Creek, Michigan · $100 million – $1 billion
Metric by metric
| Measure | 1st Source Bank | Omni Community Credit Union |
|---|---|---|
| TellerScore | 75 | 90 (stronger) |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 67 | 75 (stronger) |
| Earnings | 100 (stronger) | 88 |
| Funding & liquidity | 22 | 93 (stronger) |
| Problem-loan coverage | 90 | 94 (stronger) |
| Peer percentile | 77th | 95th |
| Total assets | $9.3B | $662.0M |
| Deposits / shares | $7.4B | $553.8M |
| Capital ratio | 13.72% | 16.32% (stronger) |
| Problem loans | 0.99% | 0.75% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.88% |
| Return on assets | 1.99% (stronger) | 1.71% |
| Loans ÷ deposits | 95.0% | 66.9% (stronger) |
| Uninsured deposits | 53.8% | 8.2% (stronger) |
| Offices | 76 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | — |
Omni Community Credit Union has the higher TellerScore (90 vs 75). On the 7 directional measures above (where higher or lower is clearly better), 1st Source Bank leads on 2 and Omni Community Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.