Side-by-side · Q2 2026 data
Old Ocean Federal Credit Union vs Baycel Federal Credit Union
Metric by metric
| Measure | Old Ocean Federal Credit Union | Baycel Federal Credit Union |
|---|---|---|
| TellerScore | 98 (stronger) | 91 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 66 |
| Earnings | 100 | 100 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 98th | 90th |
| Total assets | $41.6M | $92.2M |
| Deposits / shares | $32.5M | $71.9M |
| Capital ratio | 20.52% | 21.79% (stronger) |
| Problem loans | 0.24% (stronger) | 1.01% |
| Net charge-offs | 0.48% | 0.31% (stronger) |
| Return on assets | 2.07% | 2.50% (stronger) |
| Loans ÷ deposits | 46.7% (stronger) | 49.8% |
| Uninsured deposits | 2.9% | 2.5% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Old Ocean Federal Credit Union has the higher TellerScore (98 vs 91). On the 7 directional measures above (where higher or lower is clearly better), Old Ocean Federal Credit Union leads on 3 and Baycel Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.