Side-by-side · Q2 2026 data
Liberty National Bank vs Southwest Oklahoma Federal Credit Union
Credit union
Southwest Oklahoma Federal Credit Union
Lawton, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | Liberty National Bank | Southwest Oklahoma Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 89 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 99 (stronger) | 71 |
| Earnings | 100 | 100 |
| Funding & liquidity | 86 (stronger) | 81 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 95th | 94th |
| Total assets | $1.3B | $116.4M |
| Deposits / shares | $1.2B | $94.1M |
| Capital ratio | 10.31% | 19.32% (stronger) |
| Problem loans | 0.02% (stronger) | 0.88% |
| Net charge-offs | 0.01% (stronger) | 0.07% |
| Return on assets | 2.15% (stronger) | 2.00% |
| Loans ÷ deposits | 74.3% (stronger) | 79.3% |
| Uninsured deposits | 11.7% | 4.3% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | — |
Southwest Oklahoma Federal Credit Union has the higher TellerScore (89 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Liberty National Bank leads on 4 and Southwest Oklahoma 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.