Side-by-side · Q2 2026 data
First National Bank of Lake Jackson vs Old Ocean Federal Credit Union
Metric by metric
| Measure | First National Bank of Lake Jackson | Old Ocean Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 98 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 32 | 100 (stronger) |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 40th | 98th |
| Total assets | $218.4M | $41.6M |
| Deposits / shares | $211.1M | $32.5M |
| Capital ratio | 11.73% | 20.52% (stronger) |
| Problem loans | 0.00% (stronger) | 0.24% |
| Net charge-offs | -0.09% (stronger) | 0.48% |
| Return on assets | 0.30% | 2.07% (stronger) |
| Loans ÷ deposits | 23.4% (stronger) | 46.7% |
| Uninsured deposits | 57.4% | 2.9% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Old Ocean Federal Credit Union has the higher TellerScore (98 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Lake Jackson leads on 3 and Old Ocean Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.