Side-by-side · Q2 2026 data
First State Bank vs Old Ocean Federal Credit Union
Metric by metric
| Measure | First State Bank | Old Ocean Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 98 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 54 | 92 (stronger) |
| Earnings | 99 | 100 (stronger) |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 74 | 99 (stronger) |
| Peer percentile | 22nd | 98th |
| Total assets | $478.1M | $41.6M |
| Deposits / shares | $429.1M | $32.5M |
| Capital ratio | 9.48% | 20.52% (stronger) |
| Problem loans | 1.38% | 0.24% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.48% |
| Return on assets | 1.98% | 2.07% (stronger) |
| Loans ÷ deposits | 81.5% | 46.7% (stronger) |
| Uninsured deposits | 36.2% | 2.9% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
Old Ocean Federal Credit Union has the higher TellerScore (98 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 1 and Old Ocean Federal Credit Union on 6. 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.