Side-by-side · Q2 2026 data
Bank of Oak Ridge vs Members Credit Union
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Bank of Oak Ridge | Members Credit Union |
|---|---|---|
| TellerScore | 63 | 85 (stronger) |
| Capital cushion | 75 | 98 (stronger) |
| Loan quality | 40 | 73 (stronger) |
| Earnings | 69 (stronger) | 62 |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 79 | 95 (stronger) |
| Peer percentile | 24th | 87th |
| Total assets | $658.1M | $477.1M |
| Deposits / shares | $509.6M | $404.2M |
| Capital ratio | 12.53% | 14.83% (stronger) |
| Problem loans | 1.79% | 0.82% (stronger) |
| Net charge-offs | 0.11% (stronger) | 1.39% |
| Return on assets | 1.23% (stronger) | 1.06% |
| Loans ÷ deposits | 101.1% | 46.5% (stronger) |
| Uninsured deposits | 13.1% | 3.3% (stronger) |
| Offices | 5 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.8% | — |
Members Credit Union has the higher TellerScore (85 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Bank of Oak Ridge leads on 2 and Members Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.