Side-by-side · Q2 2026 data
Saint Francis Employees Federal Credit Union vs Oklahoma Central Credit Union
Credit union
Saint Francis Employees Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | Saint Francis Employees Federal Credit Union | Oklahoma Central Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 89 |
| Loan quality | 93 (stronger) | 92 |
| Earnings | 70 (stronger) | 42 |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 92nd | 83rd |
| Total assets | $44.7M | $760.2M |
| Deposits / shares | $37.2M | $663.4M |
| Capital ratio | 15.92% (stronger) | 13.94% |
| Problem loans | 0.20% (stronger) | 0.24% |
| Net charge-offs | 0.46% | 0.18% (stronger) |
| Return on assets | 1.24% (stronger) | 0.54% |
| Loans ÷ deposits | 41.0% (stronger) | 52.6% |
| Uninsured deposits | 15.9% | 8.5% (stronger) |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 29.0% |
Saint Francis Employees Federal Credit Union has the higher TellerScore (92 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Saint Francis Employees Federal Credit Union leads on 5 and Oklahoma Central Credit Union on 2. 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.