Side-by-side · Q2 2026 data
Montecito Bank & Trust vs Oceanair Federal Credit Union
Credit union
Oceanair Federal Credit Union
Oxnard, California · $100 million – $1 billion
Metric by metric
| Measure | Montecito Bank & Trust | Oceanair Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 49 |
| Capital cushion | 63 (stronger) | 24 |
| Loan quality | 94 (stronger) | 84 |
| Earnings | 44 (stronger) | 25 |
| Funding & liquidity | 54 (stronger) | 51 |
| Problem-loan coverage | 98 (stronger) | 83 |
| Peer percentile | 53rd | 5th |
| Total assets | $2.0B | $882.5M |
| Deposits / shares | $1.7B | $692.6M |
| Capital ratio | 11.29% (stronger) | 7.44% |
| Problem loans | 0.17% (stronger) | 0.48% |
| Net charge-offs | 0.02% (stronger) | 0.19% |
| Return on assets | 0.60% (stronger) | 0.12% |
| Loans ÷ deposits | 79.4% (stronger) | 109.2% |
| Uninsured deposits | 38.6% | 9.2% (stronger) |
| Offices | 16 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.7% | — |
Montecito Bank & Trust has the higher TellerScore (69 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Montecito Bank & Trust leads on 6 and Oceanair Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.