Side-by-side · Q2 2026 data
The Exchange 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 | The Exchange Bank | United Members Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 87 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 65 (stronger) | 39 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 82nd | 83rd |
| Total assets | $158.4M | $10.4M |
| Deposits / shares | $142.3M | $8.5M |
| Capital ratio | 12.10% | 18.62% (stronger) |
| Problem loans | 0.00% (stronger) | 0.15% |
| Net charge-offs | 0.00% (stronger) | 1.30% |
| Return on assets | 1.13% (stronger) | 0.47% |
| Loans ÷ deposits | 36.5% | 36.0% (stronger) |
| Uninsured deposits | 30.0% | 4.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Members Federal Credit Union has the higher TellerScore (87 vs 82). On the 7 directional measures above (where higher or lower is clearly better), The Exchange Bank leads on 3 and United Members Federal Credit Union on 4. 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.