Side-by-side · Q2 2026 data
FNB Oxford Bank vs Mutual Federal Credit Union
Metric by metric
| Measure | FNB Oxford Bank | Mutual Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 84 (stronger) |
| Capital cushion | 69 | 90 (stronger) |
| Loan quality | 96 (stronger) | 64 |
| Earnings | 53 | 88 (stronger) |
| Funding & liquidity | 62 | 96 (stronger) |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 61st | 86th |
| Total assets | $939.7M | $528.5M |
| Deposits / shares | $786.9M | $458.9M |
| Capital ratio | 11.87% | 13.98% (stronger) |
| Problem loans | 0.13% (stronger) | 1.08% |
| Net charge-offs | 0.02% (stronger) | 0.85% |
| Return on assets | 0.83% | 1.69% (stronger) |
| Loans ÷ deposits | 67.0% | 64.1% (stronger) |
| Uninsured deposits | 43.4% | 5.4% (stronger) |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mutual Federal Credit Union has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), FNB Oxford Bank leads on 2 and Mutual Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.