Side-by-side · Q2 2026 data
F&M Bank vs Oklahoma Federal Credit Union
Credit union
Oklahoma Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | F&M Bank | Oklahoma Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 91 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 88 | 92 (stronger) |
| Earnings | 70 | 87 (stronger) |
| Funding & liquidity | 68 | 74 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 47th | 96th |
| Total assets | $915.3M | $198.9M |
| Deposits / shares | $799.0M | $159.2M |
| Capital ratio | 10.00% | 20.23% (stronger) |
| Problem loans | 0.36% | 0.24% (stronger) |
| Net charge-offs | 1.85% | 0.63% (stronger) |
| Return on assets | 1.24% | 1.66% (stronger) |
| Loans ÷ deposits | 81.1% | 78.8% (stronger) |
| Uninsured deposits | 25.1% | 21.4% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | 0.0% |
Oklahoma Federal Credit Union has the higher TellerScore (91 vs 71). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank leads on 0 and Oklahoma Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.