Side-by-side · Q2 2026 data
Ou Federal Credit Union vs Employees Federal Credit Union
Metric by metric
| Measure | Ou Federal Credit Union | Employees Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 55 |
| Capital cushion | 28 | 35 (stronger) |
| Loan quality | 64 | 67 (stronger) |
| Earnings | 55 (stronger) | 30 |
| Funding & liquidity | 78 | 94 (stronger) |
| Problem-loan coverage | 77 (stronger) | 72 |
| Peer percentile | 15th | 15th |
| Total assets | $82.7M | $46.8M |
| Deposits / shares | $77.8M | $42.6M |
| Capital ratio | 7.76% | 8.54% (stronger) |
| Problem loans | 1.08% | 0.98% (stronger) |
| Net charge-offs | 0.87% | 0.61% (stronger) |
| Return on assets | 0.88% (stronger) | 0.25% |
| Loans ÷ deposits | 81.9% | 65.8% (stronger) |
| Uninsured deposits | 4.9% | 3.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Ou Federal Credit Union leads on 1 and Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.