Side-by-side · Q2 2026 data
Onpoint Community Credit Union vs First Community Credit Union
Metric by metric
| Measure | Onpoint Community Credit Union | First Community Credit Union |
|---|---|---|
| TellerScore | 83 | 86 (stronger) |
| Capital cushion | 100 (stronger) | 83 |
| Loan quality | 67 | 99 (stronger) |
| Earnings | 76 (stronger) | 72 |
| Funding & liquidity | 80 (stronger) | 79 |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 92nd | 95th |
| Total assets | $9.5B | $1.9B |
| Deposits / shares | $7.9B | $1.6B |
| Capital ratio | 15.00% (stronger) | 13.29% |
| Problem loans | 0.98% | 0.04% (stronger) |
| Net charge-offs | 0.42% | 0.04% (stronger) |
| Return on assets | 1.41% (stronger) | 1.31% |
| Loans ÷ deposits | 80.0% (stronger) | 81.0% |
| Uninsured deposits | 3.6% (stronger) | 6.3% |
| Offices | 34 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
First Community Credit Union has the higher TellerScore (86 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Onpoint Community Credit Union leads on 4 and First Community 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.