Side-by-side · Q2 2026 data
Onpoint Community Credit Union vs Oregon State Credit Union
Metric by metric
| Measure | Onpoint Community Credit Union | Oregon State Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 67 | 81 (stronger) |
| Earnings | 76 (stronger) | 73 |
| Funding & liquidity | 80 (stronger) | 76 |
| Problem-loan coverage | 91 | 92 (stronger) |
| Peer percentile | 92nd | 79th |
| Total assets | $9.5B | $2.8B |
| Deposits / shares | $7.9B | $2.4B |
| Capital ratio | 15.00% (stronger) | 11.75% |
| Problem loans | 0.98% | 0.58% (stronger) |
| Net charge-offs | 0.42% (stronger) | 0.74% |
| Return on assets | 1.41% (stronger) | 1.32% |
| Loans ÷ deposits | 80.0% (stronger) | 84.5% |
| Uninsured deposits | 3.6% (stronger) | 5.9% |
| Offices | 34 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | 14.3% |
Onpoint Community Credit Union has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Onpoint Community Credit Union leads on 6 and Oregon State Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.