Side-by-side · Q2 2026 data
First Bank of Owasso vs Energy One Federal Credit Union
Metric by metric
| Measure | First Bank of Owasso | Energy One Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 100 (stronger) | 41 |
| Earnings | 100 (stronger) | 54 |
| Funding & liquidity | 52 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 98th | 26th |
| Total assets | $639.3M | $300.7M |
| Deposits / shares | $538.7M | $245.4M |
| Capital ratio | 15.67% (stronger) | 11.28% |
| Problem loans | 0.01% (stronger) | 1.76% |
| Net charge-offs | 0.00% (stronger) | 0.57% |
| Return on assets | 2.80% (stronger) | 0.84% |
| Loans ÷ deposits | 90.3% | 65.3% (stronger) |
| Uninsured deposits | 30.8% | 19.7% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.4% |
First Bank of Owasso has the higher TellerScore (93 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Owasso leads on 5 and Energy One Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.