Side-by-side · Q2 2026 data
AVB Bank vs Saint Francis Employees Federal Credit Union
Credit union
Saint Francis Employees Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | AVB Bank | Saint Francis Employees Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 92 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 86 | 93 (stronger) |
| Earnings | 57 | 70 (stronger) |
| Funding & liquidity | 66 | 99 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 31st | 92nd |
| Total assets | $612.3M | $44.7M |
| Deposits / shares | $541.5M | $37.2M |
| Capital ratio | 9.46% | 15.92% (stronger) |
| Problem loans | 0.41% | 0.20% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.46% |
| Return on assets | 0.93% | 1.24% (stronger) |
| Loans ÷ deposits | 82.4% | 41.0% (stronger) |
| Uninsured deposits | 25.9% | 15.9% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | — |
Saint Francis Employees Federal Credit Union has the higher TellerScore (92 vs 66). On the 7 directional measures above (where higher or lower is clearly better), AVB Bank leads on 1 and Saint Francis Employees 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.