Side-by-side · Q2 2026 data
The Payne County Bank vs Tinker Federal Credit Union
Metric by metric
| Measure | The Payne County Bank | Tinker Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 83 |
| Capital cushion | 94 | 97 (stronger) |
| Loan quality | 64 | 79 (stronger) |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 69 | 91 (stronger) |
| Problem-loan coverage | 88 | 94 (stronger) |
| Peer percentile | 84th | 92nd |
| Total assets | $313.2M | $6.1B |
| Deposits / shares | $257.1M | $5.2B |
| Capital ratio | 14.39% | 14.72% (stronger) |
| Problem loans | 1.09% | 0.63% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.96% |
| Return on assets | 2.35% (stronger) | 0.82% |
| Loans ÷ deposits | 91.0% | 69.1% (stronger) |
| Uninsured deposits | 15.6% | 13.5% (stronger) |
| Offices | 3 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | 33.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Payne County Bank leads on 2 and Tinker 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.