Side-by-side · Q2 2026 data
Oc Federal Credit Union vs L. E. O. Credit Union
Metric by metric
| Measure | Oc Federal Credit Union | L. E. O. Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 53 |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 94 (stronger) | 0 |
| Earnings | 59 (stronger) | 0 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 78 |
| Peer percentile | 80th | 12th |
| Total assets | $314.9M | $10.4M |
| Deposits / shares | $250.9M | $7.9M |
| Capital ratio | 13.50% | 24.61% (stronger) |
| Problem loans | 0.17% (stronger) | 7.96% |
| Net charge-offs | 0.02% (stronger) | 1.51% |
| Return on assets | 0.99% (stronger) | -0.73% |
| Loans ÷ deposits | 91.2% | 45.3% (stronger) |
| Uninsured deposits | 6.1% (stronger) | 12.5% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Oc Federal Credit Union has the higher TellerScore (81 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Oc Federal Credit Union leads on 5 and L. E. O. Credit Union on 2. 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.