Side-by-side · Q2 2026 data
Sound Credit Union vs Our Community Credit Union
Metric by metric
| Measure | Sound Credit Union | Our Community Credit Union |
|---|---|---|
| TellerScore | 63 | 82 (stronger) |
| Capital cushion | 60 | 77 (stronger) |
| Loan quality | 61 | 84 (stronger) |
| Earnings | 58 | 66 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 81 | 97 (stronger) |
| Peer percentile | 33rd | 82nd |
| Total assets | $3.4B | $638.3M |
| Deposits / shares | $2.9B | $551.8M |
| Capital ratio | 11.01% | 12.67% (stronger) |
| Problem loans | 1.18% | 0.48% (stronger) |
| Net charge-offs | 0.90% | 0.70% (stronger) |
| Return on assets | 0.94% | 1.16% (stronger) |
| Loans ÷ deposits | 93.7% | 40.7% (stronger) |
| Uninsured deposits | 12.5% | 6.0% (stronger) |
| Offices | 21 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.8% | — |
Our Community Credit Union has the higher TellerScore (82 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Sound Credit Union leads on 0 and Our Community Credit Union on 7. 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.