Side-by-side · Q2 2026 data
Skyone Federal Credit Union vs Oceanair Federal Credit Union
Credit union
Skyone Federal Credit Union
Hawthorne, California · $100 million – $1 billion
Credit union
Oceanair Federal Credit Union
Oxnard, California · $100 million – $1 billion
Metric by metric
| Measure | Skyone Federal Credit Union | Oceanair Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 49 (stronger) |
| Capital cushion | 27 (stronger) | 24 |
| Loan quality | 58 | 84 (stronger) |
| Earnings | 29 (stronger) | 25 |
| Funding & liquidity | 75 (stronger) | 51 |
| Problem-loan coverage | 73 | 83 (stronger) |
| Peer percentile | 4th | 5th |
| Total assets | $863.3M | $882.5M |
| Deposits / shares | $732.3M | $692.6M |
| Capital ratio | 7.67% (stronger) | 7.44% |
| Problem loans | 1.25% | 0.48% (stronger) |
| Net charge-offs | 0.74% | 0.19% (stronger) |
| Return on assets | 0.23% (stronger) | 0.12% |
| Loans ÷ deposits | 85.0% (stronger) | 109.2% |
| Uninsured deposits | 2.9% (stronger) | 9.2% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | — |
Oceanair Federal Credit Union has the higher TellerScore (49 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Skyone Federal Credit Union leads on 4 and Oceanair Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.