Side-by-side · Q2 2026 data
Midwestern State University Credit Union vs Oak Farms Employees Credit Union
Credit union
Midwestern State University Credit Union
Wichita Falls, Texas · Under $100 million in assets
Credit union
Oak Farms Employees Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Midwestern State University Credit Union | Oak Farms Employees Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 50 |
| Capital cushion | 100 | 100 |
| Loan quality | 84 (stronger) | 0 |
| Earnings | 0 | 1 (stronger) |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 97 (stronger) | 86 |
| Peer percentile | 54th | 9th |
| Total assets | $4.3M | $4.2M |
| Deposits / shares | $3.6M | $3.1M |
| Capital ratio | 16.26% | 26.84% (stronger) |
| Problem loans | 0.47% (stronger) | 3.19% |
| Net charge-offs | 0.41% | 0.15% (stronger) |
| Return on assets | -0.78% | -0.47% (stronger) |
| Loans ÷ deposits | 60.2% (stronger) | 85.6% |
| Uninsured deposits | 0.0% (stronger) | 3.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Midwestern State University Credit Union has the higher TellerScore (76 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Midwestern State University Credit Union leads on 4 and Oak Farms Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.