Side-by-side · Q2 2026 data
BancFirst vs U. S. Employees O. C. Federal Credit Union
Credit union
U. S. Employees O. C. Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | BancFirst | U. S. Employees O. C. Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 85 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 60 | 93 (stronger) |
| Earnings | 90 (stronger) | 49 |
| Funding & liquidity | 83 (stronger) | 80 |
| Problem-loan coverage | 86 | 96 (stronger) |
| Peer percentile | 76th | 87th |
| Total assets | $12.8B | $213.5M |
| Deposits / shares | $11.2B | $181.4M |
| Capital ratio | 10.63% | 16.31% (stronger) |
| Problem loans | 1.19% | 0.20% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.69% |
| Return on assets | 1.75% (stronger) | 0.73% |
| Loans ÷ deposits | 63.8% (stronger) | 80.3% |
| Uninsured deposits | 27.1% | 5.1% (stronger) |
| Offices | 94 | 4 |
| CFPB complaints (3 yrs) | 55 | — |
| Complaints per $1B deposits | 4.9 | — |
| Mortgage denial rate (HMDA) | 10.2% | — |
U. S. Employees O. C. Federal Credit Union has the higher TellerScore (85 vs 71). On the 7 directional measures above (where higher or lower is clearly better), BancFirst leads on 3 and U. S. Employees O. C. Federal 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.