Side-by-side · Q2 2026 data
First Liberty 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 | First Liberty Bank | U. S. Employees O. C. Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 85 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 63 (stronger) | 49 |
| Funding & liquidity | 54 | 80 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 64th | 87th |
| Total assets | $885.0M | $213.5M |
| Deposits / shares | $768.3M | $181.4M |
| Capital ratio | 11.82% | 16.31% (stronger) |
| Problem loans | 0.07% (stronger) | 0.20% |
| Net charge-offs | 0.18% (stronger) | 0.69% |
| Return on assets | 1.07% (stronger) | 0.73% |
| Loans ÷ deposits | 93.0% | 80.3% (stronger) |
| Uninsured deposits | 26.9% | 5.1% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
U. S. Employees O. C. Federal Credit Union has the higher TellerScore (85 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Liberty Bank leads on 3 and U. S. Employees O. C. Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.