Side-by-side · Q2 2026 data
FNB Community Bank vs Oklahoma Federal Credit Union
Credit union
Oklahoma Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | FNB Community Bank | Oklahoma Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 91 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 22 | 92 (stronger) |
| Earnings | 65 | 87 (stronger) |
| Funding & liquidity | 73 | 74 (stronger) |
| Problem-loan coverage | 61 | 98 (stronger) |
| Peer percentile | 8th | 96th |
| Total assets | $480.2M | $198.9M |
| Deposits / shares | $430.3M | $159.2M |
| Capital ratio | 10.54% | 20.23% (stronger) |
| Problem loans | 2.35% | 0.24% (stronger) |
| Net charge-offs | 0.36% (stronger) | 0.63% |
| Return on assets | 1.14% | 1.66% (stronger) |
| Loans ÷ deposits | 69.4% (stronger) | 78.8% |
| Uninsured deposits | 30.7% | 21.4% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.3% | 0.0% |
Oklahoma Federal Credit Union has the higher TellerScore (91 vs 52). On the 7 directional measures above (where higher or lower is clearly better), FNB Community Bank leads on 2 and Oklahoma Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.