Side-by-side · Q2 2026 data
F&M Bank 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 | F&M Bank | U. S. Employees O. C. Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 85 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 88 | 93 (stronger) |
| Earnings | 70 (stronger) | 49 |
| Funding & liquidity | 68 | 80 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 47th | 87th |
| Total assets | $915.3M | $213.5M |
| Deposits / shares | $799.0M | $181.4M |
| Capital ratio | 10.00% | 16.31% (stronger) |
| Problem loans | 0.36% | 0.20% (stronger) |
| Net charge-offs | 1.85% | 0.69% (stronger) |
| Return on assets | 1.24% (stronger) | 0.73% |
| Loans ÷ deposits | 81.1% | 80.3% (stronger) |
| Uninsured deposits | 25.1% | 5.1% (stronger) |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | — |
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), F&M Bank leads on 1 and U. S. Employees O. C. Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.