Side-by-side · Q2 2026 data
Old Ocean Federal Credit Union vs Wharton County Teachers Credit Union
Credit union
Wharton County Teachers Credit Union
Wharton, Texas · Under $100 million in assets
Metric by metric
| Measure | Old Ocean Federal Credit Union | Wharton County Teachers Credit Union |
|---|---|---|
| TellerScore | 98 (stronger) | 90 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 | 94 (stronger) |
| Earnings | 100 (stronger) | 60 |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 98th | 89th |
| Total assets | $41.6M | $7.4M |
| Deposits / shares | $32.5M | $5.3M |
| Capital ratio | 20.52% | 28.35% (stronger) |
| Problem loans | 0.24% | 0.18% (stronger) |
| Net charge-offs | 0.48% | 0.31% (stronger) |
| Return on assets | 2.07% (stronger) | 0.99% |
| Loans ÷ deposits | 46.7% (stronger) | 62.1% |
| Uninsured deposits | 2.9% (stronger) | 5.8% |
| 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 90). On the 7 directional measures above (where higher or lower is clearly better), Old Ocean Federal Credit Union leads on 4 and Wharton County Teachers Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.