Side-by-side · Q2 2026 data
Oakstar Bank vs Delta County Federal Credit Union
Metric by metric
| Measure | Oakstar Bank | Delta County Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 71 (stronger) |
| Capital cushion | 48 | 52 (stronger) |
| Loan quality | 84 (stronger) | 76 |
| Earnings | 79 (stronger) | 59 |
| Funding & liquidity | 56 | 100 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 53rd | 42nd |
| Total assets | $3.3B | $72.8M |
| Deposits / shares | $2.8B | $65.2M |
| Capital ratio | 9.79% | 10.17% (stronger) |
| Problem loans | 0.48% (stronger) | 0.73% |
| Net charge-offs | 0.08% | 0.04% (stronger) |
| Return on assets | 1.48% (stronger) | 0.99% |
| Loans ÷ deposits | 100.5% | 33.5% (stronger) |
| Uninsured deposits | 18.5% | 3.2% (stronger) |
| Offices | 23 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | — |
Delta County Federal Credit Union has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Oakstar Bank leads on 2 and Delta County Federal Credit Union on 5. 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.