Side-by-side · Q2 2026 data
Okaloosa County Teachers Federal Credit Union vs Florida West Coast Credit Union
Credit union
Okaloosa County Teachers Federal Credit Union
Crestview, Florida · $100 million – $1 billion
Metric by metric
| Measure | Okaloosa County Teachers Federal Credit Union | Florida West Coast Credit Union |
|---|---|---|
| TellerScore | 57 | 79 (stronger) |
| Capital cushion | 45 | 70 (stronger) |
| Loan quality | 54 | 92 (stronger) |
| Earnings | 32 | 52 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 14th | 76th |
| Total assets | $135.3M | $144.2M |
| Deposits / shares | $121.2M | $127.4M |
| Capital ratio | 9.46% | 12.03% (stronger) |
| Problem loans | 1.39% | 0.25% (stronger) |
| Net charge-offs | 0.77% | 0.41% (stronger) |
| Return on assets | 0.31% | 0.79% (stronger) |
| Loans ÷ deposits | 45.3% (stronger) | 58.0% |
| Uninsured deposits | 0.7% (stronger) | 2.2% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Florida West Coast Credit Union has the higher TellerScore (79 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Okaloosa County Teachers Federal Credit Union leads on 2 and Florida West Coast Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.