Side-by-side · Q2 2026 data
Oc Federal Credit Union vs Painesville Credit Union
Metric by metric
| Measure | Oc Federal Credit Union | Painesville Credit Union |
|---|---|---|
| TellerScore | 81 | 83 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 94 (stronger) | 89 |
| Earnings | 59 (stronger) | 34 |
| Funding & liquidity | 69 | 97 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 80th | 72nd |
| Total assets | $314.9M | $48.7M |
| Deposits / shares | $250.9M | $40.8M |
| Capital ratio | 13.50% | 15.38% (stronger) |
| Problem loans | 0.17% (stronger) | 0.32% |
| Net charge-offs | 0.02% (stronger) | 0.18% |
| Return on assets | 0.99% (stronger) | 0.35% |
| Loans ÷ deposits | 91.2% | 63.2% (stronger) |
| Uninsured deposits | 6.1% | 1.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Painesville Credit Union has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Oc Federal Credit Union leads on 3 and Painesville Credit Union on 4. 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.