Side-by-side · Q2 2026 data
Mission Bank vs Oceanair Federal Credit Union
Credit union
Oceanair Federal Credit Union
Oxnard, California · $100 million – $1 billion
Metric by metric
| Measure | Mission Bank | Oceanair Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 49 |
| Capital cushion | 72 (stronger) | 24 |
| Loan quality | 99 (stronger) | 84 |
| Earnings | 87 (stronger) | 25 |
| Funding & liquidity | 44 | 51 (stronger) |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 90th | 5th |
| Total assets | $2.0B | $882.5M |
| Deposits / shares | $1.8B | $692.6M |
| Capital ratio | 12.22% (stronger) | 7.44% |
| Problem loans | 0.02% (stronger) | 0.48% |
| Net charge-offs | 0.33% | 0.19% (stronger) |
| Return on assets | 1.67% (stronger) | 0.12% |
| Loans ÷ deposits | 85.4% (stronger) | 109.2% |
| Uninsured deposits | 43.0% | 9.2% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mission Bank has the higher TellerScore (80 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Mission Bank leads on 5 and Oceanair Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.