Side-by-side · Q2 2026 data
Kirkpatrick Bank 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 | Kirkpatrick Bank | U. S. Employees O. C. Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 85 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 86 (stronger) | 49 |
| Funding & liquidity | 66 | 80 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 88th | 87th |
| Total assets | $1.0B | $213.5M |
| Deposits / shares | $890.2M | $181.4M |
| Capital ratio | 10.67% | 16.31% (stronger) |
| Problem loans | 0.00% (stronger) | 0.20% |
| Net charge-offs | 0.00% (stronger) | 0.69% |
| Return on assets | 1.66% (stronger) | 0.73% |
| Loans ÷ deposits | 77.5% (stronger) | 80.3% |
| Uninsured deposits | 30.2% | 5.1% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
U. S. Employees O. C. Federal Credit Union has the higher TellerScore (85 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Kirkpatrick Bank leads on 4 and U. S. Employees O. C. Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.