Side-by-side · Q2 2026 data
MidFirst 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 | MidFirst Bank | U. S. Employees O. C. Federal Credit Union |
|---|---|---|
| TellerScore | 34 | 85 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 0 | 93 (stronger) |
| Earnings | 78 (stronger) | 49 |
| Funding & liquidity | 40 | 80 (stronger) |
| Problem-loan coverage | 0 | 96 (stronger) |
| Peer percentile | 3rd | 87th |
| Total assets | $42.8B | $213.5M |
| Deposits / shares | $25.3B | $181.4M |
| Capital ratio | 9.01% | 16.31% (stronger) |
| Problem loans | 18.31% | 0.20% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.69% |
| Return on assets | 1.46% (stronger) | 0.73% |
| Loans ÷ deposits | 131.5% | 80.3% (stronger) |
| Uninsured deposits | 24.4% | 5.1% (stronger) |
| Offices | 93 | 4 |
| CFPB complaints (3 yrs) | 960 | — |
| Complaints per $1B deposits | 37.9 | — |
| Mortgage denial rate (HMDA) | 16.3% | — |
U. S. Employees O. C. Federal Credit Union has the higher TellerScore (85 vs 34). On the 7 directional measures above (where higher or lower is clearly better), MidFirst Bank leads on 2 and U. S. Employees O. C. Federal Credit Union on 5. 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.