Side-by-side · Q2 2026 data
Oregon Coast Bank vs Oregon State Credit Union
Metric by metric
| Measure | Oregon Coast Bank | Oregon State Credit Union |
|---|---|---|
| TellerScore | 52 | 76 (stronger) |
| Capital cushion | 54 | 68 (stronger) |
| Loan quality | 12 | 81 (stronger) |
| Earnings | 65 | 73 (stronger) |
| Funding & liquidity | 85 (stronger) | 76 |
| Problem-loan coverage | 68 | 92 (stronger) |
| Peer percentile | 8th | 79th |
| Total assets | $446.3M | $2.8B |
| Deposits / shares | $404.0M | $2.4B |
| Capital ratio | 10.43% | 11.75% (stronger) |
| Problem loans | 2.65% | 0.58% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.74% |
| Return on assets | 1.12% | 1.32% (stronger) |
| Loans ÷ deposits | 65.2% (stronger) | 84.5% |
| Uninsured deposits | 24.5% | 5.9% (stronger) |
| Offices | 7 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.3% |
Oregon State Credit Union has the higher TellerScore (76 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Oregon Coast Bank leads on 2 and Oregon State 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.