Side-by-side · Q2 2026 data
California Bank of Commerce, National Association vs Oceanair Federal Credit Union
Bank
California Bank of Commerce, National Association
San Diego, California · $1 billion – $10 billion
Credit union
Oceanair Federal Credit Union
Oxnard, California · $100 million – $1 billion
Metric by metric
| Measure | California Bank of Commerce, National Association | Oceanair Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 49 |
| Capital cushion | 78 (stronger) | 24 |
| Loan quality | 90 (stronger) | 84 |
| Earnings | 78 (stronger) | 25 |
| Funding & liquidity | 29 | 51 (stronger) |
| Problem-loan coverage | 95 (stronger) | 83 |
| Peer percentile | 77th | 5th |
| Total assets | $4.0B | $882.5M |
| Deposits / shares | $3.4B | $692.6M |
| Capital ratio | 12.80% (stronger) | 7.44% |
| Problem loans | 0.29% (stronger) | 0.48% |
| Net charge-offs | 0.01% (stronger) | 0.19% |
| Return on assets | 1.45% (stronger) | 0.12% |
| Loans ÷ deposits | 91.5% (stronger) | 109.2% |
| Uninsured deposits | 50.4% | 9.2% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
California Bank of Commerce, National Association has the higher TellerScore (75 vs 49). On the 7 directional measures above (where higher or lower is clearly better), California Bank of Commerce, National Association leads on 6 and Oceanair Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.