Side-by-side · Q2 2026 data
International Bank of Commerce vs Oak Cliff Christian Federal Credit Union
Credit union
Oak Cliff Christian Federal Credit Union
Dallas, Texas · Under $100 million in assets
Metric by metric
| Measure | International Bank of Commerce | Oak Cliff Christian Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 56 |
| Capital cushion | 100 (stronger) | 22 |
| Loan quality | 78 (stronger) | 74 |
| Earnings | 75 (stronger) | 57 |
| Funding & liquidity | 90 (stronger) | 74 |
| Problem-loan coverage | 96 (stronger) | 85 |
| Peer percentile | 98th | 16th |
| Total assets | $1.6B | $7.8M |
| Deposits / shares | $1.2B | $7.2M |
| Capital ratio | 15.53% (stronger) | 7.22% |
| Problem loans | 0.66% (stronger) | 0.78% |
| Net charge-offs | 0.25% (stronger) | 0.33% |
| Return on assets | 1.37% (stronger) | 0.92% |
| Loans ÷ deposits | 54.8% (stronger) | 85.9% |
| Uninsured deposits | 24.2% | 4.6% (stronger) |
| Offices | 41 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
International Bank of Commerce has the higher TellerScore (88 vs 56). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Commerce leads on 6 and Oak Cliff Christian Federal Credit Union on 1. 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.