Side-by-side · Q2 2026 data
RCB Bank vs Okunity Federal Credit Union
Metric by metric
| Measure | RCB Bank | Okunity Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 72 |
| Capital cushion | 57 | 73 (stronger) |
| Loan quality | 69 | 84 (stronger) |
| Earnings | 79 (stronger) | 48 |
| Funding & liquidity | 88 (stronger) | 66 |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 66th | 57th |
| Total assets | $4.0B | $214.7M |
| Deposits / shares | $3.5B | $175.6M |
| Capital ratio | 10.70% | 12.33% (stronger) |
| Problem loans | 0.94% | 0.48% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.42% |
| Return on assets | 1.47% (stronger) | 0.71% |
| Loans ÷ deposits | 64.9% (stronger) | 93.9% |
| Uninsured deposits | 21.9% | 5.0% (stronger) |
| Offices | 55 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), RCB Bank leads on 3 and Okunity Federal Credit Union on 3. 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.