Side-by-side · Q2 2026 data
Liberty National Bank vs Ou Federal Credit Union
Metric by metric
| Measure | Liberty National Bank | Ou Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 55 |
| Capital cushion | 53 (stronger) | 28 |
| Loan quality | 99 (stronger) | 64 |
| Earnings | 100 (stronger) | 55 |
| Funding & liquidity | 86 (stronger) | 78 |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 95th | 15th |
| Total assets | $1.3B | $82.7M |
| Deposits / shares | $1.2B | $77.8M |
| Capital ratio | 10.31% (stronger) | 7.76% |
| Problem loans | 0.02% (stronger) | 1.08% |
| Net charge-offs | 0.01% (stronger) | 0.87% |
| Return on assets | 2.15% (stronger) | 0.88% |
| Loans ÷ deposits | 74.3% (stronger) | 81.9% |
| Uninsured deposits | 11.7% | 4.9% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | — |
Liberty National Bank has the higher TellerScore (84 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Liberty National Bank leads on 6 and Ou 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.