Side-by-side · Q2 2026 data
International Bank of Commerce vs U. S. Employees O. C. Federal Credit Union
Credit union
U. S. Employees O. C. Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | International Bank of Commerce | U. S. Employees O. C. Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 85 |
| Capital cushion | 100 | 100 |
| Loan quality | 78 | 93 (stronger) |
| Earnings | 75 (stronger) | 49 |
| Funding & liquidity | 90 (stronger) | 80 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 98th | 87th |
| Total assets | $1.6B | $213.5M |
| Deposits / shares | $1.2B | $181.4M |
| Capital ratio | 15.53% | 16.31% (stronger) |
| Problem loans | 0.66% | 0.20% (stronger) |
| Net charge-offs | 0.25% (stronger) | 0.69% |
| Return on assets | 1.37% (stronger) | 0.73% |
| Loans ÷ deposits | 54.8% (stronger) | 80.3% |
| Uninsured deposits | 24.2% | 5.1% (stronger) |
| Offices | 41 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
International Bank of Commerce has the higher TellerScore (88 vs 85). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Commerce leads on 4 and U. S. Employees O. C. Federal Credit Union on 3. 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.