Side-by-side · Q2 2026 data
The Equitable Bank, S.S.B. vs Umatilla County Federal Credit Union
Credit union
Umatilla County Federal Credit Union
Pendleton, Oregon · Under $100 million in assets
Metric by metric
| Measure | The Equitable Bank, S.S.B. | Umatilla County Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 92 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 98 | 98 |
| Earnings | 32 | 80 (stronger) |
| Funding & liquidity | 62 | 79 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 26th | 92nd |
| Total assets | $327.1M | $47.7M |
| Deposits / shares | $289.1M | $38.6M |
| Capital ratio | 9.70% | 18.97% (stronger) |
| Problem loans | 0.05% (stronger) | 0.06% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.31% | 1.51% (stronger) |
| Loans ÷ deposits | 98.2% | 81.3% (stronger) |
| Uninsured deposits | 10.8% | 1.5% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | — |
Umatilla County Federal Credit Union has the higher TellerScore (92 vs 64). On the 6 directional measures above (where higher or lower is clearly better), The Equitable Bank, S.S.B. leads on 1 and Umatilla County Federal Credit Union on 5. 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.