Side-by-side · Q2 2026 data
Old Ocean Federal Credit Union vs Keystone Credit Union
Metric by metric
| Measure | Old Ocean Federal Credit Union | Keystone Credit Union |
|---|---|---|
| TellerScore | 98 (stronger) | 80 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 77 |
| Earnings | 100 (stronger) | 55 |
| Funding & liquidity | 100 (stronger) | 65 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 98th | 65th |
| Total assets | $41.6M | $40.2M |
| Deposits / shares | $32.5M | $29.1M |
| Capital ratio | 20.52% | 27.38% (stronger) |
| Problem loans | 0.24% (stronger) | 0.68% |
| Net charge-offs | 0.48% | 0.03% (stronger) |
| Return on assets | 2.07% (stronger) | 0.87% |
| Loans ÷ deposits | 46.7% (stronger) | 95.3% |
| Uninsured deposits | 2.9% (stronger) | 5.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Old Ocean Federal Credit Union has the higher TellerScore (98 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Old Ocean Federal Credit Union leads on 5 and Keystone Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.