Side-by-side · Q2 2026 data
Summit Bank vs Onpoint Community Credit Union
Metric by metric
| Measure | Summit Bank | Onpoint Community Credit Union |
|---|---|---|
| TellerScore | 70 | 83 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 83 (stronger) | 67 |
| Earnings | 74 | 76 (stronger) |
| Funding & liquidity | 42 | 80 (stronger) |
| Problem-loan coverage | 93 (stronger) | 91 |
| Peer percentile | 58th | 92nd |
| Total assets | $1.3B | $9.5B |
| Deposits / shares | $1.2B | $7.9B |
| Capital ratio | 11.34% | 15.00% (stronger) |
| Problem loans | 0.52% (stronger) | 0.98% |
| Net charge-offs | 0.42% | 0.42% (stronger) |
| Return on assets | 1.36% | 1.41% (stronger) |
| Loans ÷ deposits | 98.5% | 80.0% (stronger) |
| Uninsured deposits | 32.7% | 3.6% (stronger) |
| Offices | 5 | 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 70). On the 7 directional measures above (where higher or lower is clearly better), Summit Bank leads on 1 and Onpoint Community Credit Union on 6. 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.