Side-by-side · Q2 2026 data
Oriental Bank vs Caribe Federal Credit Union
Metric by metric
| Measure | Oriental Bank | Caribe Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 82 (stronger) |
| Capital cushion | 56 | 70 (stronger) |
| Loan quality | 47 | 84 (stronger) |
| Earnings | 92 | 100 (stronger) |
| Funding & liquidity | 38 | 72 (stronger) |
| Problem-loan coverage | 82 | 92 (stronger) |
| Peer percentile | 32nd | 82nd |
| Total assets | $12.0B | $799.9M |
| Deposits / shares | $10.0B | $691.3M |
| Capital ratio | 10.57% | 12.04% (stronger) |
| Problem loans | 1.59% | 0.49% (stronger) |
| Net charge-offs | 1.22% (stronger) | 1.44% |
| Return on assets | 1.80% | 3.54% (stronger) |
| Loans ÷ deposits | 81.2% (stronger) | 88.1% |
| Uninsured deposits | 52.0% | 9.4% (stronger) |
| Offices | 45 | 7 |
| CFPB complaints (3 yrs) | 162 | — |
| Complaints per $1B deposits | 16.2 | — |
| Mortgage denial rate (HMDA) | 26.4% | 30.8% |
Caribe Federal Credit Union has the higher TellerScore (82 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Oriental Bank leads on 2 and Caribe Federal 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.