Side-by-side · Q2 2026 data
Westbury 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 | Westbury Bank | Umatilla County Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 92 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 52 | 80 (stronger) |
| Funding & liquidity | 77 | 79 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 43rd | 92nd |
| Total assets | $771.9M | $47.7M |
| Deposits / shares | $698.0M | $38.6M |
| Capital ratio | 9.20% | 18.97% (stronger) |
| Problem loans | 0.00% (stronger) | 0.06% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.80% | 1.51% (stronger) |
| Loans ÷ deposits | 77.9% (stronger) | 81.3% |
| Uninsured deposits | 19.4% | 1.5% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.0% | — |
Umatilla County Federal Credit Union has the higher TellerScore (92 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Westbury Bank leads on 2 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.