Side-by-side · Q2 2026 data
Bank of Oak Ridge vs Summit Credit Union
Metric by metric
| Measure | Bank of Oak Ridge | Summit Credit Union |
|---|---|---|
| TellerScore | 63 | 82 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 40 | 76 (stronger) |
| Earnings | 69 (stronger) | 56 |
| Funding & liquidity | 59 | 82 (stronger) |
| Problem-loan coverage | 79 | 94 (stronger) |
| Peer percentile | 24th | 82nd |
| Total assets | $658.1M | $368.8M |
| Deposits / shares | $509.6M | $298.4M |
| Capital ratio | 12.53% | 15.44% (stronger) |
| Problem loans | 1.79% | 0.71% (stronger) |
| Net charge-offs | 0.11% (stronger) | 1.22% |
| Return on assets | 1.23% (stronger) | 0.91% |
| Loans ÷ deposits | 101.1% | 78.3% (stronger) |
| Uninsured deposits | 13.1% | 11.0% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.8% | — |
Summit Credit Union has the higher TellerScore (82 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Bank of Oak Ridge leads on 2 and Summit Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.