Side-by-side · Q2 2026 data
Oriental Bank vs Puerto Rico Federal Credit Union
Metric by metric
| Measure | Oriental Bank | Puerto Rico Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 73 (stronger) |
| Capital cushion | 56 | 90 (stronger) |
| Loan quality | 47 | 77 (stronger) |
| Earnings | 92 (stronger) | 35 |
| Funding & liquidity | 38 | 73 (stronger) |
| Problem-loan coverage | 82 | 92 (stronger) |
| Peer percentile | 32nd | 60th |
| Total assets | $12.0B | $188.0M |
| Deposits / shares | $10.0B | $164.0M |
| Capital ratio | 10.57% | 14.01% (stronger) |
| Problem loans | 1.59% | 0.68% (stronger) |
| Net charge-offs | 1.22% | 1.02% (stronger) |
| Return on assets | 1.80% (stronger) | 0.37% |
| Loans ÷ deposits | 81.2% (stronger) | 87.3% |
| Uninsured deposits | 52.0% | 5.5% (stronger) |
| Offices | 45 | 4 |
| CFPB complaints (3 yrs) | 162 | — |
| Complaints per $1B deposits | 16.2 | — |
| Mortgage denial rate (HMDA) | 26.4% | — |
Puerto Rico Federal Credit Union has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Oriental Bank leads on 2 and Puerto Rico 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.
Where both have branches
- Aguadilla, PR