Side-by-side · Q2 2026 data
Oakwood Bank vs Royal Credit Union
Metric by metric
| Measure | Oakwood Bank | Royal Credit Union |
|---|---|---|
| TellerScore | 62 | 73 (stronger) |
| Capital cushion | 35 | 58 (stronger) |
| Loan quality | 72 | 86 (stronger) |
| Earnings | 81 (stronger) | 79 |
| Funding & liquidity | 58 | 63 (stronger) |
| Problem-loan coverage | 88 | 93 (stronger) |
| Peer percentile | 22nd | 70th |
| Total assets | $156.4M | $5.9B |
| Deposits / shares | $123.9M | $5.2B |
| Capital ratio | 8.48% | 10.83% (stronger) |
| Problem loans | 0.84% | 0.43% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.59% |
| Return on assets | 1.53% (stronger) | 1.47% |
| Loans ÷ deposits | 102.3% | 97.5% (stronger) |
| Uninsured deposits | 14.6% | 11.2% (stronger) |
| Offices | 4 | 48 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.3% |
Royal Credit Union has the higher TellerScore (73 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Oakwood Bank leads on 2 and Royal 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.