Side-by-side · Q2 2026 data
Oak Cliff Christian Federal Credit Union vs Light Commerce Credit Union
Credit union
Oak Cliff Christian Federal Credit Union
Dallas, Texas · Under $100 million in assets
Metric by metric
| Measure | Oak Cliff Christian Federal Credit Union | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 56 | 92 (stronger) |
| Capital cushion | 22 | 100 (stronger) |
| Loan quality | 74 (stronger) | 69 |
| Earnings | 57 | 100 (stronger) |
| Funding & liquidity | 74 | 98 (stronger) |
| Problem-loan coverage | 85 | 97 (stronger) |
| Peer percentile | 16th | 92nd |
| Total assets | $7.8M | $5.0M |
| Deposits / shares | $7.2M | $3.6M |
| Capital ratio | 7.22% | 26.81% (stronger) |
| Problem loans | 0.78% (stronger) | 0.93% |
| Net charge-offs | 0.33% (stronger) | 0.57% |
| Return on assets | 0.92% | 2.37% (stronger) |
| Loans ÷ deposits | 85.9% | 62.1% (stronger) |
| Uninsured deposits | 4.6% | 0.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Oak Cliff Christian Federal Credit Union leads on 2 and Light Commerce Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.