Side-by-side · Q2 2026 data
Inroads Federal Credit Union vs Old West Federal Credit Union
Credit union
Inroads Federal Credit Union
Saint Helens, Oregon · $100 million – $1 billion
Metric by metric
| Measure | Inroads Federal Credit Union | Old West Federal Credit Union |
|---|---|---|
| TellerScore | 45 | 63 (stronger) |
| Capital cushion | 31 | 70 (stronger) |
| Loan quality | 62 (stronger) | 54 |
| Earnings | 3 | 35 (stronger) |
| Funding & liquidity | 79 | 88 (stronger) |
| Problem-loan coverage | 79 | 85 (stronger) |
| Peer percentile | 3rd | 29th |
| Total assets | $340.0M | $319.0M |
| Deposits / shares | $313.2M | $278.3M |
| Capital ratio | 8.12% | 11.97% (stronger) |
| Problem loans | 1.15% (stronger) | 1.37% |
| Net charge-offs | 0.76% | 0.05% (stronger) |
| Return on assets | -0.44% | 0.37% (stronger) |
| Loans ÷ deposits | 81.2% | 71.8% (stronger) |
| Uninsured deposits | 8.1% | 4.8% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.5% | — |
Old West Federal Credit Union has the higher TellerScore (63 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Inroads Federal Credit Union leads on 1 and Old West Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.