Side-by-side · Q2 2026 data
Bank of the Sierra vs Oceanair Federal Credit Union
Credit union
Oceanair Federal Credit Union
Oxnard, California · $100 million – $1 billion
Metric by metric
| Measure | Bank of the Sierra | Oceanair Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 49 |
| Capital cushion | 72 (stronger) | 24 |
| Loan quality | 86 (stronger) | 84 |
| Earnings | 73 (stronger) | 25 |
| Funding & liquidity | 63 (stronger) | 51 |
| Problem-loan coverage | 96 (stronger) | 83 |
| Peer percentile | 83rd | 5th |
| Total assets | $3.7B | $882.5M |
| Deposits / shares | $2.9B | $692.6M |
| Capital ratio | 12.25% (stronger) | 7.44% |
| Problem loans | 0.43% (stronger) | 0.48% |
| Net charge-offs | 0.02% (stronger) | 0.19% |
| Return on assets | 1.33% (stronger) | 0.12% |
| Loans ÷ deposits | 82.9% (stronger) | 109.2% |
| Uninsured deposits | 27.9% | 9.2% (stronger) |
| Offices | 34 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of the Sierra has the higher TellerScore (77 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Sierra leads on 6 and Oceanair Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.