Side-by-side · Q2 2026 data
The First State Bank of Pond Creek, Oklahoma vs Tinker Federal Credit Union
Bank
The First State Bank of Pond Creek, Oklahoma
Pond Creek, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | The First State Bank of Pond Creek, Oklahoma | Tinker Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 83 |
| Capital cushion | 78 | 97 (stronger) |
| Loan quality | 89 (stronger) | 79 |
| Earnings | 98 (stronger) | 53 |
| Funding & liquidity | 62 | 91 (stronger) |
| Problem-loan coverage | 83 | 94 (stronger) |
| Peer percentile | 73rd | 92nd |
| Total assets | $55.5M | $6.1B |
| Deposits / shares | $47.9M | $5.2B |
| Capital ratio | 12.78% | 14.72% (stronger) |
| Problem loans | 0.32% (stronger) | 0.63% |
| Net charge-offs | 0.01% (stronger) | 0.96% |
| Return on assets | 1.96% (stronger) | 0.82% |
| Loans ÷ deposits | 96.6% | 69.1% (stronger) |
| Uninsured deposits | 16.2% | 13.5% (stronger) |
| Offices | 2 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 33.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The First State Bank of Pond Creek, Oklahoma leads on 3 and Tinker 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.