Side-by-side · Q2 2026 data
Sound Community Bank vs Our Community Credit Union
Metric by metric
| Measure | Sound Community Bank | Our Community Credit Union |
|---|---|---|
| TellerScore | 64 | 82 (stronger) |
| Capital cushion | 59 | 77 (stronger) |
| Loan quality | 70 | 84 (stronger) |
| Earnings | 55 | 66 (stronger) |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 33rd | 82nd |
| Total assets | $1.1B | $638.3M |
| Deposits / shares | $937.1M | $551.8M |
| Capital ratio | 10.93% | 12.67% (stronger) |
| Problem loans | 0.90% | 0.48% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.70% |
| Return on assets | 0.87% | 1.16% (stronger) |
| Loans ÷ deposits | 94.5% | 40.7% (stronger) |
| Uninsured deposits | 20.2% | 6.0% (stronger) |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.0% | — |
Our Community Credit Union has the higher TellerScore (82 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Sound Community Bank leads on 1 and Our Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.