Side-by-side · Q2 2026 data
Ocean Financial Federal Credit Union vs Paul Quinn Federal Credit Union
Credit union
Ocean Financial Federal Credit Union
Oceanside, New York · $100 million – $1 billion
Credit union
Paul Quinn Federal Credit Union
Jamaica, New York · Under $100 million in assets
Metric by metric
| Measure | Ocean Financial Federal Credit Union | Paul Quinn Federal Credit Union |
|---|---|---|
| TellerScore | 40 | 93 (stronger) |
| Capital cushion | 32 | 100 (stronger) |
| Loan quality | 26 | 100 (stronger) |
| Earnings | 25 | 65 (stronger) |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 61 | 100 (stronger) |
| Peer percentile | 1st | 94th |
| Total assets | $403.3M | $358K |
| Deposits / shares | $377.7M | $251K |
| Capital ratio | 8.17% | 26.10% (stronger) |
| Problem loans | 2.21% | 0.00% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 0.12% | 1.12% (stronger) |
| Loans ÷ deposits | 76.9% | 19.1% (stronger) |
| Uninsured deposits | 13.8% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 53.3% | — |
Paul Quinn Federal Credit Union has the higher TellerScore (93 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Ocean Financial Federal Credit Union leads on 0 and Paul Quinn Federal Credit Union on 7. 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.