Side-by-side · Q2 2026 data
McAlester Aap Federal Credit Union vs Encentus Federal Credit Union
Credit union
McAlester Aap Federal Credit Union
McAlester, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | McAlester Aap Federal Credit Union | Encentus Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 80 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 80 (stronger) |
| Earnings | 85 (stronger) | 27 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 38th | 65th |
| Total assets | $12.4M | $21.4M |
| Deposits / shares | $7.6M | $17.8M |
| Capital ratio | 38.37% (stronger) | 17.05% |
| Problem loans | 4.84% | 0.60% (stronger) |
| Net charge-offs | 0.08% (stronger) | 1.82% |
| Return on assets | 1.62% (stronger) | 0.18% |
| Loans ÷ deposits | 73.1% | 39.7% (stronger) |
| Uninsured deposits | 1.7% | 1.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Encentus Federal Credit Union has the higher TellerScore (80 vs 69). On the 7 directional measures above (where higher or lower is clearly better), McAlester Aap Federal Credit Union leads on 3 and Encentus Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.