Side-by-side · Q2 2026 data
F&M Bank vs Correctional Workers Federal Credit Union
Credit union
Correctional Workers Federal Credit Union
El Reno, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | F&M Bank | Correctional Workers Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 88 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 88 | 94 (stronger) |
| Earnings | 70 (stronger) | 49 |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 47th | 85th |
| Total assets | $915.3M | $10.5M |
| Deposits / shares | $799.0M | $8.6M |
| Capital ratio | 10.00% | 17.88% (stronger) |
| Problem loans | 0.36% | 0.19% (stronger) |
| Net charge-offs | 1.85% | -0.08% (stronger) |
| Return on assets | 1.24% (stronger) | 0.72% |
| Loans ÷ deposits | 81.1% | 47.8% (stronger) |
| Uninsured deposits | 25.1% | 0.1% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | — |
Correctional Workers Federal Credit Union has the higher TellerScore (88 vs 71). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 1 and Correctional Workers 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.