Side-by-side · Q2 2026 data
Oceanair Federal Credit Union vs Sun Community Federal Credit Union
Credit union
Oceanair Federal Credit Union
Oxnard, California · $100 million – $1 billion
Credit union
Sun Community Federal Credit Union
El Centro, California · $100 million – $1 billion
Metric by metric
| Measure | Oceanair Federal Credit Union | Sun Community Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 56 (stronger) |
| Capital cushion | 24 | 34 (stronger) |
| Loan quality | 84 | 92 (stronger) |
| Earnings | 25 (stronger) | 10 |
| Funding & liquidity | 51 | 73 (stronger) |
| Problem-loan coverage | 83 | 94 (stronger) |
| Peer percentile | 5th | 13th |
| Total assets | $882.5M | $895.6M |
| Deposits / shares | $692.6M | $803.4M |
| Capital ratio | 7.44% | 8.40% (stronger) |
| Problem loans | 0.48% | 0.25% (stronger) |
| Net charge-offs | 0.19% (stronger) | 1.73% |
| Return on assets | 0.12% (stronger) | -0.25% |
| Loans ÷ deposits | 109.2% | 84.3% (stronger) |
| Uninsured deposits | 9.2% (stronger) | 17.8% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
Sun Community Federal Credit Union has the higher TellerScore (56 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Oceanair Federal Credit Union leads on 3 and Sun Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.