Side-by-side · Q2 2026 data
The Payne County Bank vs Okunity Federal Credit Union
Metric by metric
| Measure | The Payne County Bank | Okunity Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 72 |
| Capital cushion | 94 (stronger) | 73 |
| Loan quality | 64 | 84 (stronger) |
| Earnings | 100 (stronger) | 48 |
| Funding & liquidity | 69 (stronger) | 66 |
| Problem-loan coverage | 88 | 93 (stronger) |
| Peer percentile | 84th | 57th |
| Total assets | $313.2M | $214.7M |
| Deposits / shares | $257.1M | $175.6M |
| Capital ratio | 14.39% (stronger) | 12.33% |
| Problem loans | 1.09% | 0.48% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.42% |
| Return on assets | 2.35% (stronger) | 0.71% |
| Loans ÷ deposits | 91.0% (stronger) | 93.9% |
| Uninsured deposits | 15.6% | 5.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | — |
The Payne County Bank has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Payne County Bank leads on 5 and Okunity Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.