Side-by-side · Q2 2026 data
Logix Federal Credit Union vs Oceanair Federal Credit Union
Credit union
Oceanair Federal Credit Union
Oxnard, California · $100 million – $1 billion
Metric by metric
| Measure | Logix Federal Credit Union | Oceanair Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 24 |
| Loan quality | 64 | 84 (stronger) |
| Earnings | 57 (stronger) | 25 |
| Funding & liquidity | 61 (stronger) | 51 |
| Problem-loan coverage | 89 (stronger) | 83 |
| Peer percentile | 75th | 5th |
| Total assets | $9.7B | $882.5M |
| Deposits / shares | $8.1B | $692.6M |
| Capital ratio | 15.67% (stronger) | 7.44% |
| Problem loans | 1.08% | 0.48% (stronger) |
| Net charge-offs | 0.41% | 0.19% (stronger) |
| Return on assets | 0.92% (stronger) | 0.12% |
| Loans ÷ deposits | 95.4% (stronger) | 109.2% |
| Uninsured deposits | 18.5% | 9.2% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.8% | — |
Logix Federal Credit Union has the higher TellerScore (75 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Logix Federal Credit Union leads on 4 and Oceanair Federal Credit Union on 3. 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.