Side-by-side · Q2 2026 data
Altaone Federal Credit Union vs Oceanair Federal Credit Union
Credit union
Oceanair Federal Credit Union
Oxnard, California · $100 million – $1 billion
Metric by metric
| Measure | Altaone Federal Credit Union | Oceanair Federal Credit Union |
|---|---|---|
| TellerScore | 57 (stronger) | 49 |
| Capital cushion | 42 (stronger) | 24 |
| Loan quality | 77 | 84 (stronger) |
| Earnings | 27 (stronger) | 25 |
| Funding & liquidity | 73 (stronger) | 51 |
| Problem-loan coverage | 85 (stronger) | 83 |
| Peer percentile | 14th | 5th |
| Total assets | $967.2M | $882.5M |
| Deposits / shares | $872.2M | $692.6M |
| Capital ratio | 9.19% (stronger) | 7.44% |
| Problem loans | 0.70% | 0.48% (stronger) |
| Net charge-offs | 1.00% | 0.19% (stronger) |
| Return on assets | 0.17% (stronger) | 0.12% |
| Loans ÷ deposits | 87.2% (stronger) | 109.2% |
| Uninsured deposits | 12.9% | 9.2% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Altaone Federal Credit Union has the higher TellerScore (57 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Altaone Federal Credit Union leads on 4 and Oceanair Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.