Side-by-side · Q2 2026 data
Oceanair Federal Credit Union vs Merced School Employees Federal Credit Union
Credit union
Oceanair Federal Credit Union
Oxnard, California · $100 million – $1 billion
Credit union
Merced School Employees Federal Credit Union
Merced, California · $100 million – $1 billion
Metric by metric
| Measure | Oceanair Federal Credit Union | Merced School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 81 (stronger) |
| Capital cushion | 24 | 68 (stronger) |
| Loan quality | 84 | 85 (stronger) |
| Earnings | 25 | 75 (stronger) |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 83 | 97 (stronger) |
| Peer percentile | 5th | 80th |
| Total assets | $882.5M | $899.0M |
| Deposits / shares | $692.6M | $797.0M |
| Capital ratio | 7.44% | 11.76% (stronger) |
| Problem loans | 0.48% | 0.44% (stronger) |
| Net charge-offs | 0.19% (stronger) | 0.61% |
| Return on assets | 0.12% | 1.37% (stronger) |
| Loans ÷ deposits | 109.2% | 38.4% (stronger) |
| Uninsured deposits | 9.2% | 5.4% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.9% |
Merced School Employees Federal Credit Union has the higher TellerScore (81 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Oceanair Federal Credit Union leads on 1 and Merced School Employees Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.