Side-by-side · Q2 2026 data
Oak Farms Employees Credit Union vs Intercorp Credit Union
Credit union
Oak Farms Employees Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Oak Farms Employees Credit Union | Intercorp Credit Union |
|---|---|---|
| TellerScore | 50 | 60 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 5 (stronger) |
| Earnings | 1 | 33 (stronger) |
| Funding & liquidity | 75 | 91 (stronger) |
| Problem-loan coverage | 86 (stronger) | 83 |
| Peer percentile | 9th | 22nd |
| Total assets | $4.2M | $4.2M |
| Deposits / shares | $3.1M | $3.4M |
| Capital ratio | 26.84% (stronger) | 18.58% |
| Problem loans | 3.19% | 2.86% (stronger) |
| Net charge-offs | 0.15% (stronger) | 1.56% |
| Return on assets | -0.47% | 0.33% (stronger) |
| Loans ÷ deposits | 85.6% | 69.5% (stronger) |
| Uninsured deposits | 3.8% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Intercorp Credit Union has the higher TellerScore (60 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Oak Farms Employees Credit Union leads on 2 and Intercorp Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.