Side-by-side · Q2 2026 data
Oriental Bank vs Mid-Island Federal Credit Union
Credit union
Mid-Island Federal Credit Union
Christiansted, U.S. Virgin Islands · Under $100 million in assets
Metric by metric
| Measure | Oriental Bank | Mid-Island Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 65 (stronger) |
| Capital cushion | 56 (stronger) | 51 |
| Loan quality | 47 | 86 (stronger) |
| Earnings | 92 (stronger) | 17 |
| Funding & liquidity | 38 | 100 (stronger) |
| Problem-loan coverage | 82 | 98 (stronger) |
| Peer percentile | 32nd | 30th |
| Total assets | $12.0B | $17.9M |
| Deposits / shares | $10.0B | $15.6M |
| Capital ratio | 10.57% (stronger) | 10.05% |
| Problem loans | 1.59% | 0.41% (stronger) |
| Net charge-offs | 1.22% | 0.63% (stronger) |
| Return on assets | 1.80% (stronger) | -0.08% |
| Loans ÷ deposits | 81.2% | 31.9% (stronger) |
| Uninsured deposits | 52.0% | 0.0% (stronger) |
| Offices | 45 | 2 |
| CFPB complaints (3 yrs) | 162 | — |
| Complaints per $1B deposits | 16.2 | — |
| Mortgage denial rate (HMDA) | 26.4% | — |
Mid-Island Federal Credit Union has the higher TellerScore (65 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Oriental Bank leads on 2 and Mid-Island 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.