Side-by-side · Q2 2026 data
Oregon Pacific Banking Company dba Oregon Pacific Bank vs Gateway Credit Union
Bank
Oregon Pacific Banking Company dba Oregon Pacific Bank
Florence, Oregon · $100 million – $1 billion
Metric by metric
| Measure | Oregon Pacific Banking Company dba Oregon Pacific Bank | Gateway Credit Union |
|---|---|---|
| TellerScore | 74 | 83 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 87 | 88 (stronger) |
| Earnings | 74 (stronger) | 45 |
| Funding & liquidity | 61 | 82 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 57th | 72nd |
| Total assets | $825.4M | $31.4M |
| Deposits / shares | $723.8M | $24.3M |
| Capital ratio | 11.18% | 21.85% (stronger) |
| Problem loans | 0.39% | 0.36% (stronger) |
| Net charge-offs | 0.08% | -0.03% (stronger) |
| Return on assets | 1.35% (stronger) | 0.64% |
| Loans ÷ deposits | 83.1% | 78.7% (stronger) |
| Uninsured deposits | 29.7% | 3.1% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gateway Credit Union has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Oregon Pacific Banking Company dba Oregon Pacific Bank leads on 1 and Gateway Credit Union on 6. 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.