Side-by-side · Q2 2026 data
Bank 7 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 | Bank 7 | U. S. Employees O. C. Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 85 |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 87 | 93 (stronger) |
| Earnings | 100 (stronger) | 49 |
| Funding & liquidity | 54 | 80 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 97th | 87th |
| Total assets | $1.9B | $213.5M |
| Deposits / shares | $1.6B | $181.4M |
| Capital ratio | 13.88% | 16.31% (stronger) |
| Problem loans | 0.39% | 0.20% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.69% |
| Return on assets | 2.10% (stronger) | 0.73% |
| Loans ÷ deposits | 96.7% | 80.3% (stronger) |
| Uninsured deposits | 23.8% | 5.1% (stronger) |
| Offices | 12 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | — |
Bank 7 has the higher TellerScore (86 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Bank 7 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.