Side-by-side · Q2 2026 data
Morning Star Federal Credit Union vs Growing Oaks Federal Credit Union
Credit union
Growing Oaks Federal Credit Union
Goldsby, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | Morning Star Federal Credit Union | Growing Oaks Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 55 |
| Capital cushion | 8 | 45 (stronger) |
| Loan quality | 80 (stronger) | 73 |
| Earnings | 41 (stronger) | 24 |
| Funding & liquidity | 100 (stronger) | 63 |
| Problem-loan coverage | 91 (stronger) | 87 |
| Peer percentile | 15th | 15th |
| Total assets | $1.1M | $4.1M |
| Deposits / shares | $1.0M | $3.6M |
| Capital ratio | 5.78% | 9.54% (stronger) |
| Problem loans | 0.59% (stronger) | 0.80% |
| Net charge-offs | 0.00% (stronger) | 0.46% |
| Return on assets | 0.52% (stronger) | 0.10% |
| Loans ÷ deposits | 53.0% (stronger) | 83.4% |
| Uninsured deposits | 0.0% (stronger) | 27.2% |
| Offices | 0 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Morning Star Federal Credit Union leads on 5 and Growing Oaks Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.