Side-by-side · Q2 2026 data
Oostburg State Bank vs Unitedone Credit Union
Metric by metric
| Measure | Oostburg State Bank | Unitedone Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 73 |
| Capital cushion | 66 | 68 (stronger) |
| Loan quality | 96 (stronger) | 92 |
| Earnings | 75 (stronger) | 57 |
| Funding & liquidity | 72 (stronger) | 58 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 75th | 60th |
| Total assets | $440.2M | $348.3M |
| Deposits / shares | $388.4M | $282.7M |
| Capital ratio | 11.64% | 11.82% (stronger) |
| Problem loans | 0.13% (stronger) | 0.24% |
| Net charge-offs | 0.13% | 0.12% (stronger) |
| Return on assets | 1.39% (stronger) | 0.92% |
| Loans ÷ deposits | 81.6% (stronger) | 102.3% |
| Uninsured deposits | 21.3% | 6.2% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.1% | 13.8% |
Oostburg State Bank has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Oostburg State Bank leads on 4 and Unitedone Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.