Side-by-side · Q2 2026 data
Exchange Bank and Trust Company vs Okunity Federal Credit Union
Metric by metric
| Measure | Exchange Bank and Trust Company | Okunity Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 72 (stronger) |
| Capital cushion | 58 | 73 (stronger) |
| Loan quality | 47 | 84 (stronger) |
| Earnings | 95 (stronger) | 48 |
| Funding & liquidity | 63 | 66 (stronger) |
| Problem-loan coverage | 75 | 93 (stronger) |
| Peer percentile | 29th | 57th |
| Total assets | $428.7M | $214.7M |
| Deposits / shares | $385.9M | $175.6M |
| Capital ratio | 10.75% | 12.33% (stronger) |
| Problem loans | 1.59% | 0.48% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.42% |
| Return on assets | 1.88% (stronger) | 0.71% |
| Loans ÷ deposits | 82.6% (stronger) | 93.9% |
| Uninsured deposits | 28.2% | 5.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Okunity Federal Credit Union has the higher TellerScore (72 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank and Trust Company leads on 3 and Okunity Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.