Side-by-side · Q2 2026 data
WaterStone Bank, SSB vs Umatilla County Federal Credit Union
Credit union
Umatilla County Federal Credit Union
Pendleton, Oregon · Under $100 million in assets
Metric by metric
| Measure | WaterStone Bank, SSB | Umatilla County Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 88 | 98 (stronger) |
| Earnings | 71 | 80 (stronger) |
| Funding & liquidity | 37 | 79 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 91st | 92nd |
| Total assets | $2.3B | $47.7M |
| Deposits / shares | $1.5B | $38.6M |
| Capital ratio | 15.43% | 18.97% (stronger) |
| Problem loans | 0.36% | 0.06% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.28% | 1.51% (stronger) |
| Loans ÷ deposits | 123.7% | 81.3% (stronger) |
| Uninsured deposits | 26.8% | 1.5% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | — |
Umatilla County Federal Credit Union has the higher TellerScore (92 vs 81). On the 7 directional measures above (where higher or lower is clearly better), WaterStone Bank, SSB leads on 1 and Umatilla County Federal 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.