Side-by-side · Q2 2026 data
Oklahoma Capital Bank vs Saint Francis Employees Federal Credit Union
Credit union
Saint Francis Employees Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | Oklahoma Capital Bank | Saint Francis Employees Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 92 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 90 | 93 (stronger) |
| Earnings | 72 (stronger) | 70 |
| Funding & liquidity | 41 | 99 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 40th | 92nd |
| Total assets | $196.3M | $44.7M |
| Deposits / shares | $159.8M | $37.2M |
| Capital ratio | 10.39% | 15.92% (stronger) |
| Problem loans | 0.30% | 0.20% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.46% |
| Return on assets | 1.29% (stronger) | 1.24% |
| Loans ÷ deposits | 100.4% | 41.0% (stronger) |
| Uninsured deposits | 32.3% | 15.9% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Saint Francis Employees Federal Credit Union has the higher TellerScore (92 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Oklahoma Capital Bank leads on 2 and Saint Francis Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.