Side-by-side · Q2 2026 data
Willamette Valley Bank vs Onpoint Community Credit Union
Metric by metric
| Measure | Willamette Valley Bank | Onpoint Community Credit Union |
|---|---|---|
| TellerScore | 81 | 83 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 93 (stronger) | 67 |
| Earnings | 41 | 76 (stronger) |
| Funding & liquidity | 62 | 80 (stronger) |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 80th | 92nd |
| Total assets | $465.4M | $9.5B |
| Deposits / shares | $358.8M | $7.9B |
| Capital ratio | 16.99% (stronger) | 15.00% |
| Problem loans | 0.22% (stronger) | 0.98% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 0.53% | 1.41% (stronger) |
| Loans ÷ deposits | 83.7% | 80.0% (stronger) |
| Uninsured deposits | 28.6% | 3.6% (stronger) |
| Offices | 4 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | 17.5% |
Onpoint Community Credit Union has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Willamette Valley Bank leads on 3 and Onpoint Community Credit Union on 4. 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.