Side-by-side · Q2 2026 data
HCN Bank vs Ontario Public Employees Federal Credit Union
Credit union
Ontario Public Employees Federal Credit Union
Ontario, California · Under $100 million in assets
Metric by metric
| Measure | HCN Bank | Ontario Public Employees Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 87 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 100 (stronger) | 66 |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 27 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 75th | 83rd |
| Total assets | $998.4M | $23.2M |
| Deposits / shares | $846.3M | $19.3M |
| Capital ratio | 11.70% | 15.48% (stronger) |
| Problem loans | 0.00% (stronger) | 1.02% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 2.22% (stronger) | 1.46% |
| Loans ÷ deposits | 91.7% | 47.9% (stronger) |
| Uninsured deposits | 52.5% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ontario Public Employees Federal Credit Union has the higher TellerScore (87 vs 79). On the 7 directional measures above (where higher or lower is clearly better), HCN Bank leads on 3 and Ontario Public Employees 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.