Side-by-side · Q2 2026 data
FirstOak Bank vs Co-Operative Credit Union
Metric by metric
| Measure | FirstOak Bank | Co-Operative Credit Union |
|---|---|---|
| TellerScore | 75 | 77 (stronger) |
| Capital cushion | 55 | 86 (stronger) |
| Loan quality | 100 (stronger) | 56 |
| Earnings | 74 (stronger) | 67 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 61st | 57th |
| Total assets | $241.2M | $21.2M |
| Deposits / shares | $212.3M | $18.3M |
| Capital ratio | 10.48% | 13.61% (stronger) |
| Problem loans | 0.00% (stronger) | 1.31% |
| Net charge-offs | -0.00% (stronger) | 0.14% |
| Return on assets | 1.35% (stronger) | 1.19% |
| Loans ÷ deposits | 87.2% | 56.2% (stronger) |
| Uninsured deposits | 26.5% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | — |
Co-Operative Credit Union has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), FirstOak Bank leads on 3 and Co-Operative Credit Union on 4. 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.