Side-by-side · Q2 2026 data
Ocean State Credit Union vs Rhode Island Credit Union
Metric by metric
| Measure | Ocean State Credit Union | Rhode Island Credit Union |
|---|---|---|
| TellerScore | 53 | 65 (stronger) |
| Capital cushion | 64 (stronger) | 54 |
| Loan quality | 48 | 87 (stronger) |
| Earnings | 22 | 31 (stronger) |
| Funding & liquidity | 63 | 74 (stronger) |
| Problem-loan coverage | 79 | 94 (stronger) |
| Peer percentile | 9th | 34th |
| Total assets | $350.7M | $425.1M |
| Deposits / shares | $283.8M | $375.1M |
| Capital ratio | 11.37% (stronger) | 10.40% |
| Problem loans | 1.55% | 0.38% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.22% |
| Return on assets | 0.04% | 0.26% (stronger) |
| Loans ÷ deposits | 96.9% | 86.2% (stronger) |
| Uninsured deposits | 4.4% (stronger) | 5.8% |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.0% | 36.6% |
Rhode Island Credit Union has the higher TellerScore (65 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Ocean State Credit Union leads on 3 and Rhode Island Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.