Side-by-side · Q2 2026 data
Onpoint Community Credit Union vs Benton County Schools Credit Union
Credit union
Benton County Schools Credit Union
Corvallis, Oregon · Under $100 million in assets
Metric by metric
| Measure | Onpoint Community Credit Union | Benton County Schools Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 67 | 98 (stronger) |
| Earnings | 76 (stronger) | 34 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 92nd | 47th |
| Total assets | $9.5B | $69.4M |
| Deposits / shares | $7.9B | $61.8M |
| Capital ratio | 15.00% (stronger) | 10.58% |
| Problem loans | 0.98% | 0.06% (stronger) |
| Net charge-offs | 0.42% | 0.06% (stronger) |
| Return on assets | 1.41% (stronger) | 0.36% |
| Loans ÷ deposits | 80.0% | 54.4% (stronger) |
| Uninsured deposits | 3.6% (stronger) | 4.0% |
| Offices | 34 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
Onpoint Community Credit Union has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Onpoint Community Credit Union leads on 4 and Benton County Schools 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.