Side-by-side · Q2 2026 data
The First National Bank in Marlow vs Velma Federal Credit Union
Metric by metric
| Measure | The First National Bank in Marlow | Velma Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 79 (stronger) |
| Capital cushion | 32 | 100 (stronger) |
| Loan quality | 100 (stronger) | 48 |
| Earnings | 70 | 100 (stronger) |
| Funding & liquidity | 94 (stronger) | 59 |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 48th | 62nd |
| Total assets | $71.8M | $3.1M |
| Deposits / shares | $65.3M | $2.6M |
| Capital ratio | 8.15% | 15.16% (stronger) |
| Problem loans | 0.00% (stronger) | 1.55% |
| Net charge-offs | 0.02% (stronger) | 0.30% |
| Return on assets | 1.24% | 2.08% (stronger) |
| Loans ÷ deposits | 66.7% (stronger) | 100.9% |
| Uninsured deposits | 14.2% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Velma Federal Credit Union has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank in Marlow leads on 3 and Velma 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.