Side-by-side · Q2 2026 data
Growing Oaks Federal Credit Union vs Cooperative Employees
Credit union
Growing Oaks Federal Credit Union
Goldsby, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | Growing Oaks Federal Credit Union | Cooperative Employees |
|---|---|---|
| TellerScore | 55 | 73 (stronger) |
| Capital cushion | 45 | 54 (stronger) |
| Loan quality | 73 | 100 (stronger) |
| Earnings | 24 | 42 (stronger) |
| Funding & liquidity | 63 | 92 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 15th | 47th |
| Total assets | $4.1M | $10.0M |
| Deposits / shares | $3.6M | $8.9M |
| Capital ratio | 9.54% | 10.37% (stronger) |
| Problem loans | 0.80% | 0.00% (stronger) |
| Net charge-offs | 0.46% | 0.00% (stronger) |
| Return on assets | 0.10% | 0.55% (stronger) |
| Loans ÷ deposits | 83.4% | 67.8% (stronger) |
| Uninsured deposits | 27.2% | 0.0% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cooperative Employees has the higher TellerScore (73 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Growing Oaks Federal Credit Union leads on 0 and Cooperative Employees on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.