Side-by-side · Q2 2026 data
Commencement Bank vs Our Community Credit Union
Metric by metric
| Measure | Commencement Bank | Our Community Credit Union |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 53 | 77 (stronger) |
| Loan quality | 97 (stronger) | 84 |
| Earnings | 60 | 66 (stronger) |
| Funding & liquidity | 45 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 40th | 82nd |
| Total assets | $739.6M | $638.3M |
| Deposits / shares | $660.2M | $551.8M |
| Capital ratio | 10.30% | 12.67% (stronger) |
| Problem loans | 0.09% (stronger) | 0.48% |
| Net charge-offs | 0.05% (stronger) | 0.70% |
| Return on assets | 0.99% | 1.16% (stronger) |
| Loans ÷ deposits | 83.3% | 40.7% (stronger) |
| Uninsured deposits | 44.0% | 6.0% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Our Community Credit Union has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Commencement Bank leads on 2 and Our Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.