Side-by-side · Q2 2026 data
RCB Bank vs United Members Federal Credit Union
Credit union
United Members Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | RCB Bank | United Members Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 87 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 69 | 95 (stronger) |
| Earnings | 79 (stronger) | 39 |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 66th | 83rd |
| Total assets | $4.0B | $10.4M |
| Deposits / shares | $3.5B | $8.5M |
| Capital ratio | 10.70% | 18.62% (stronger) |
| Problem loans | 0.94% | 0.15% (stronger) |
| Net charge-offs | 0.11% (stronger) | 1.30% |
| Return on assets | 1.47% (stronger) | 0.47% |
| Loans ÷ deposits | 64.9% | 36.0% (stronger) |
| Uninsured deposits | 21.9% | 4.0% (stronger) |
| Offices | 55 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | — |
United Members Federal Credit Union has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), RCB Bank leads on 2 and United Members Federal 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.