Side-by-side · Q2 2026 data
Sound Banking Company vs Our Community Credit Union
Metric by metric
| Measure | Sound Banking Company | Our Community Credit Union |
|---|---|---|
| TellerScore | 82 | 82 |
| Capital cushion | 71 | 77 (stronger) |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 39 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 70th | 82nd |
| Total assets | $45.2M | $638.3M |
| Deposits / shares | $39.6M | $551.8M |
| Capital ratio | 12.08% | 12.67% (stronger) |
| Problem loans | 0.00% (stronger) | 0.48% |
| Net charge-offs | 0.07% (stronger) | 0.70% |
| Return on assets | 2.52% (stronger) | 1.16% |
| Loans ÷ deposits | 96.6% | 40.7% (stronger) |
| Uninsured deposits | 37.4% | 6.0% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Sound Banking Company leads on 3 and Our Community Credit Union on 3. 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.