Side-by-side · Q2 2026 data
Pioneer Trust Bank, National Association vs Onpoint Community Credit Union
Metric by metric
| Measure | Pioneer Trust Bank, National Association | Onpoint Community Credit Union |
|---|---|---|
| TellerScore | 81 | 83 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 56 | 67 (stronger) |
| Earnings | 100 (stronger) | 76 |
| Funding & liquidity | 54 | 80 (stronger) |
| Problem-loan coverage | 88 | 91 (stronger) |
| Peer percentile | 80th | 92nd |
| Total assets | $712.5M | $9.5B |
| Deposits / shares | $602.2M | $7.9B |
| Capital ratio | 15.26% (stronger) | 15.00% |
| Problem loans | 1.32% | 0.98% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.42% |
| Return on assets | 2.56% (stronger) | 1.41% |
| Loans ÷ deposits | 84.0% | 80.0% (stronger) |
| Uninsured deposits | 35.4% | 3.6% (stronger) |
| Offices | 2 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.5% |
Onpoint Community Credit Union has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Trust Bank, National Association leads on 3 and Onpoint Community Credit Union on 4. 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.