Side-by-side · Q2 2026 data
OptimumBank vs Pompano Beach City Emp. Credit Union
Credit union
Pompano Beach City Emp. Credit Union
Pompano Beach, Florida · Under $100 million in assets
Metric by metric
| Measure | OptimumBank | Pompano Beach City Emp. Credit Union |
|---|---|---|
| TellerScore | 76 | 80 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 94 | 98 (stronger) |
| Earnings | 98 (stronger) | 25 |
| Funding & liquidity | 47 | 69 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 80th | 65th |
| Total assets | $1.4B | $31.0M |
| Deposits / shares | $1.2B | $24.8M |
| Capital ratio | 10.54% | 19.31% (stronger) |
| Problem loans | 0.18% | 0.06% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.17% |
| Return on assets | 1.95% (stronger) | 0.12% |
| Loans ÷ deposits | 97.9% | 91.4% (stronger) |
| Uninsured deposits | 28.7% | 7.3% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pompano Beach City Emp. Credit Union has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), OptimumBank leads on 2 and Pompano Beach City Emp. Credit Union on 5. 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.