Side-by-side · Q2 2026 data
Waukesha State Bank vs Umatilla County Federal Credit Union
Credit union
Umatilla County Federal Credit Union
Pendleton, Oregon · Under $100 million in assets
Metric by metric
| Measure | Waukesha State Bank | Umatilla County Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 92 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 92 | 98 (stronger) |
| Earnings | 100 (stronger) | 80 |
| Funding & liquidity | 50 | 79 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 90th | 92nd |
| Total assets | $1.6B | $47.7M |
| Deposits / shares | $1.3B | $38.6M |
| Capital ratio | 11.51% | 18.97% (stronger) |
| Problem loans | 0.25% | 0.06% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.38% (stronger) | 1.51% |
| Loans ÷ deposits | 93.2% | 81.3% (stronger) |
| Uninsured deposits | 30.1% | 1.5% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
Umatilla County Federal Credit Union has the higher TellerScore (92 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Waukesha State Bank 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.