Side-by-side · Q2 2026 data
American Heritage Bank vs Ok Federal Credit Union
Metric by metric
| Measure | American Heritage Bank | Ok Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 85 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 93 (stronger) | 80 |
| Earnings | 58 | 67 (stronger) |
| Funding & liquidity | 84 (stronger) | 81 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 63rd | 77th |
| Total assets | $1.5B | $26.4M |
| Deposits / shares | $1.2B | $22.1M |
| Capital ratio | 9.57% | 15.85% (stronger) |
| Problem loans | 0.21% (stronger) | 0.60% |
| Net charge-offs | 0.11% | -0.00% (stronger) |
| Return on assets | 0.95% | 1.17% (stronger) |
| Loans ÷ deposits | 42.8% (stronger) | 79.2% |
| Uninsured deposits | 30.0% | 2.2% (stronger) |
| Offices | 18 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ok Federal Credit Union has the higher TellerScore (85 vs 71). On the 7 directional measures above (where higher or lower is clearly better), American Heritage Bank leads on 2 and Ok 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.