Side-by-side · Q2 2026 data
Inroads Federal Credit Union vs Wauna Federal Credit Union
Credit union
Inroads Federal Credit Union
Saint Helens, Oregon · $100 million – $1 billion
Metric by metric
| Measure | Inroads Federal Credit Union | Wauna Federal Credit Union |
|---|---|---|
| TellerScore | 45 | 58 (stronger) |
| Capital cushion | 31 | 42 (stronger) |
| Loan quality | 62 | 74 (stronger) |
| Earnings | 3 | 38 (stronger) |
| Funding & liquidity | 79 (stronger) | 74 |
| Problem-loan coverage | 79 | 84 (stronger) |
| Peer percentile | 3rd | 16th |
| Total assets | $340.0M | $398.2M |
| Deposits / shares | $313.2M | $359.3M |
| Capital ratio | 8.12% | 9.18% (stronger) |
| Problem loans | 1.15% | 0.78% (stronger) |
| Net charge-offs | 0.76% (stronger) | 0.83% |
| Return on assets | -0.44% | 0.45% (stronger) |
| Loans ÷ deposits | 81.2% (stronger) | 86.0% |
| Uninsured deposits | 8.1% | 7.7% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.5% | 17.1% |
Wauna Federal Credit Union has the higher TellerScore (58 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Inroads Federal Credit Union leads on 2 and Wauna Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.