Side-by-side · Q2 2026 data
Opc Federal Credit Union vs Spokane Teachers Credit Union
Credit union
Spokane Teachers Credit Union
Liberty Lake, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Opc Federal Credit Union | Spokane Teachers Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 57 |
| Capital cushion | 98 (stronger) | 54 |
| Loan quality | 46 | 54 (stronger) |
| Earnings | 100 (stronger) | 47 |
| Funding & liquidity | 62 | 64 (stronger) |
| Problem-loan coverage | 83 (stronger) | 78 |
| Peer percentile | 62nd | 17th |
| Total assets | $2.8M | $6.4B |
| Deposits / shares | $2.3M | $5.4B |
| Capital ratio | 14.75% (stronger) | 10.38% |
| Problem loans | 1.63% | 1.39% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.64% |
| Return on assets | 3.03% (stronger) | 0.67% |
| Loans ÷ deposits | 97.8% | 96.6% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 10.1% |
| Offices | 1 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Opc Federal Credit Union has the higher TellerScore (79 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Opc Federal Credit Union leads on 5 and Spokane Teachers Credit Union on 2. 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.