Side-by-side · Q2 2026 data
Natco Employees Federal Credit Union vs Ocean State Credit Union
Credit union
Natco Employees Federal Credit Union
West Warwick, Rhode Island · Under $100 million in assets
Metric by metric
| Measure | Natco Employees Federal Credit Union | Ocean State Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 53 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 100 (stronger) | 48 |
| Earnings | 65 (stronger) | 22 |
| Funding & liquidity | 100 (stronger) | 63 |
| Problem-loan coverage | 100 (stronger) | 79 |
| Peer percentile | 94th | 9th |
| Total assets | $208K | $350.7M |
| Deposits / shares | $170K | $283.8M |
| Capital ratio | 17.44% (stronger) | 11.37% |
| Problem loans | 0.00% (stronger) | 1.55% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.13% (stronger) | 0.04% |
| Loans ÷ deposits | 23.9% (stronger) | 96.9% |
| Uninsured deposits | 0.0% (stronger) | 4.4% |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.0% |
Natco Employees Federal Credit Union has the higher TellerScore (93 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Natco Employees Federal Credit Union leads on 7 and Ocean State Credit Union on 0. 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.
Where both have branches
- West Warwick, RI