Side-by-side · Q2 2026 data
Oriental Bank vs Frederiksted Federal Credit Union
Credit union
Frederiksted Federal Credit Union
Frederiksted, U.S. Virgin Islands · Under $100 million in assets
Metric by metric
| Measure | Oriental Bank | Frederiksted Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 89 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 47 | 58 (stronger) |
| Earnings | 92 | 100 (stronger) |
| Funding & liquidity | 38 | 100 (stronger) |
| Problem-loan coverage | 82 | 94 (stronger) |
| Peer percentile | 32nd | 87th |
| Total assets | $12.0B | $24.1M |
| Deposits / shares | $10.0B | $19.8M |
| Capital ratio | 10.57% | 17.49% (stronger) |
| Problem loans | 1.59% | 1.26% (stronger) |
| Net charge-offs | 1.22% (stronger) | 1.64% |
| Return on assets | 1.80% | 2.06% (stronger) |
| Loans ÷ deposits | 81.2% | 33.1% (stronger) |
| Uninsured deposits | 52.0% | 0.3% (stronger) |
| Offices | 45 | 1 |
| CFPB complaints (3 yrs) | 162 | — |
| Complaints per $1B deposits | 16.2 | — |
| Mortgage denial rate (HMDA) | 26.4% | — |
Frederiksted Federal Credit Union has the higher TellerScore (89 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Oriental Bank leads on 1 and Frederiksted Federal 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.