Side-by-side · Q2 2026 data
Chelsea Groton Bank vs Ocean State Credit Union
Metric by metric
| Measure | Chelsea Groton Bank | Ocean State Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 53 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 84 (stronger) | 48 |
| Earnings | 76 (stronger) | 22 |
| Funding & liquidity | 42 | 63 (stronger) |
| Problem-loan coverage | 96 (stronger) | 79 |
| Peer percentile | 93rd | 9th |
| Total assets | $1.8B | $350.7M |
| Deposits / shares | $1.2B | $283.8M |
| Capital ratio | 16.73% (stronger) | 11.37% |
| Problem loans | 0.48% (stronger) | 1.55% |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 1.39% (stronger) | 0.04% |
| Loans ÷ deposits | 110.4% | 96.9% (stronger) |
| Uninsured deposits | 22.4% | 4.4% (stronger) |
| Offices | 13 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.2% | 25.0% |
Chelsea Groton Bank has the higher TellerScore (82 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Chelsea Groton Bank leads on 5 and Ocean State Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.