Side-by-side · Q2 2026 data
Oc Federal Credit Union vs Theory Federal Credit Union
Credit union
Theory Federal Credit Union
Painesville, Ohio · Under $100 million in assets
Metric by metric
| Measure | Oc Federal Credit Union | Theory Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 46 |
| Capital cushion | 85 (stronger) | 37 |
| Loan quality | 94 (stronger) | 30 |
| Earnings | 59 (stronger) | 24 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 76 |
| Peer percentile | 80th | 6th |
| Total assets | $314.9M | $38.4M |
| Deposits / shares | $250.9M | $36.0M |
| Capital ratio | 13.50% (stronger) | 8.65% |
| Problem loans | 0.17% (stronger) | 2.11% |
| Net charge-offs | 0.02% (stronger) | 1.19% |
| Return on assets | 0.99% (stronger) | 0.10% |
| Loans ÷ deposits | 91.2% | 53.5% (stronger) |
| Uninsured deposits | 6.1% | 0.1% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Oc Federal Credit Union has the higher TellerScore (81 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Oc Federal Credit Union leads on 5 and Theory Federal 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.