Side-by-side · Q2 2026 data
Eaton Community Bank vs Omni Community Credit Union
Credit union
Omni Community Credit Union
Battle Creek, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Eaton Community Bank | Omni Community Credit Union |
|---|---|---|
| TellerScore | 71 | 90 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 59 | 75 (stronger) |
| Earnings | 53 | 88 (stronger) |
| Funding & liquidity | 87 | 93 (stronger) |
| Problem-loan coverage | 88 | 94 (stronger) |
| Peer percentile | 47th | 95th |
| Total assets | $543.5M | $662.0M |
| Deposits / shares | $459.0M | $553.8M |
| Capital ratio | 12.89% | 16.32% (stronger) |
| Problem loans | 1.23% | 0.75% (stronger) |
| Net charge-offs | 1.05% | 0.88% (stronger) |
| Return on assets | 0.81% | 1.71% (stronger) |
| Loans ÷ deposits | 73.6% | 66.9% (stronger) |
| Uninsured deposits | 13.2% | 8.2% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.6% | — |
Omni Community Credit Union has the higher TellerScore (90 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Eaton Community Bank leads on 0 and Omni Community Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.