Side-by-side · Q2 2026 data
Willamette Valley Bank vs Oregon State Credit Union
Metric by metric
| Measure | Willamette Valley Bank | Oregon State Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 93 (stronger) | 81 |
| Earnings | 41 | 73 (stronger) |
| Funding & liquidity | 62 | 76 (stronger) |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 80th | 79th |
| Total assets | $465.4M | $2.8B |
| Deposits / shares | $358.8M | $2.4B |
| Capital ratio | 16.99% (stronger) | 11.75% |
| Problem loans | 0.22% (stronger) | 0.58% |
| Net charge-offs | 0.00% (stronger) | 0.74% |
| Return on assets | 0.53% | 1.32% (stronger) |
| Loans ÷ deposits | 83.7% (stronger) | 84.5% |
| Uninsured deposits | 28.6% | 5.9% (stronger) |
| Offices | 4 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | 14.3% |
Willamette Valley Bank has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Willamette Valley Bank leads on 5 and Oregon State Credit Union on 2. 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.