Side-by-side · Q2 2026 data
The Focus Federal Credit Union vs Southwest Oklahoma Federal Credit Union
Credit union
The Focus Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Credit union
Southwest Oklahoma Federal Credit Union
Lawton, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | The Focus Federal Credit Union | Southwest Oklahoma Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 89 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 85 (stronger) | 71 |
| Earnings | 21 | 100 (stronger) |
| Funding & liquidity | 71 | 81 (stronger) |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 14th | 94th |
| Total assets | $163.2M | $116.4M |
| Deposits / shares | $147.9M | $94.1M |
| Capital ratio | 8.99% | 19.32% (stronger) |
| Problem loans | 0.45% (stronger) | 0.88% |
| Net charge-offs | 0.48% | 0.07% (stronger) |
| Return on assets | 0.03% | 2.00% (stronger) |
| Loans ÷ deposits | 88.9% | 79.3% (stronger) |
| Uninsured deposits | 8.2% | 4.3% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 44.9% | — |
Southwest Oklahoma Federal Credit Union has the higher TellerScore (89 vs 57). On the 7 directional measures above (where higher or lower is clearly better), The Focus Federal Credit Union leads on 1 and Southwest Oklahoma Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.