Side-by-side · Q2 2026 data
The Focus Federal Credit Union vs Municipal Emps CU of Oklahoma City Credit Union
Credit union
The Focus Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Credit union
Municipal Emps CU of Oklahoma City Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | The Focus Federal Credit Union | Municipal Emps CU of Oklahoma City Credit Union |
|---|---|---|
| TellerScore | 57 | 62 (stronger) |
| Capital cushion | 40 (stronger) | 38 |
| Loan quality | 85 | 94 (stronger) |
| Earnings | 21 | 32 (stronger) |
| Funding & liquidity | 71 | 74 (stronger) |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 14th | 26th |
| Total assets | $163.2M | $190.5M |
| Deposits / shares | $147.9M | $172.3M |
| Capital ratio | 8.99% (stronger) | 8.79% |
| Problem loans | 0.45% | 0.17% (stronger) |
| Net charge-offs | 0.48% | 0.04% (stronger) |
| Return on assets | 0.03% | 0.31% (stronger) |
| Loans ÷ deposits | 88.9% | 85.9% (stronger) |
| Uninsured deposits | 8.2% (stronger) | 14.9% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 44.9% | — |
Municipal Emps CU of Oklahoma City Credit Union has the higher TellerScore (62 vs 57). On the 7 directional measures above (where higher or lower is clearly better), The Focus Federal Credit Union leads on 2 and Municipal Emps CU of Oklahoma City Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.