Side-by-side · Q2 2026 data
Ocean State Credit Union vs Westerly Community Credit Union
Credit union
Westerly Community Credit Union
Wakefield, Rhode Island · $100 million – $1 billion
Metric by metric
| Measure | Ocean State Credit Union | Westerly Community Credit Union |
|---|---|---|
| TellerScore | 53 | 66 (stronger) |
| Capital cushion | 64 (stronger) | 44 |
| Loan quality | 48 | 93 (stronger) |
| Earnings | 22 | 50 (stronger) |
| Funding & liquidity | 63 | 66 (stronger) |
| Problem-loan coverage | 79 | 96 (stronger) |
| Peer percentile | 9th | 37th |
| Total assets | $350.7M | $519.9M |
| Deposits / shares | $283.8M | $451.3M |
| Capital ratio | 11.37% (stronger) | 9.44% |
| Problem loans | 1.55% | 0.21% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.08% |
| Return on assets | 0.04% | 0.75% (stronger) |
| Loans ÷ deposits | 96.9% | 93.9% (stronger) |
| Uninsured deposits | 4.4% (stronger) | 7.4% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.0% | — |
Westerly Community Credit Union has the higher TellerScore (66 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Ocean State Credit Union leads on 3 and Westerly Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.