Side-by-side · Q2 2026 data
U. S. Employees O. C. Federal Credit Union vs Energize Credit Union
Credit union
U. S. Employees O. C. Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | U. S. Employees O. C. Federal Credit Union | Energize Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 93 (stronger) | 73 |
| Earnings | 49 (stronger) | 40 |
| Funding & liquidity | 80 (stronger) | 72 |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 87th | 44th |
| Total assets | $213.5M | $25.4M |
| Deposits / shares | $181.4M | $21.8M |
| Capital ratio | 16.31% (stronger) | 13.83% |
| Problem loans | 0.20% (stronger) | 0.81% |
| Net charge-offs | 0.69% | 0.04% (stronger) |
| Return on assets | 0.73% (stronger) | 0.49% |
| Loans ÷ deposits | 80.3% (stronger) | 88.2% |
| Uninsured deposits | 5.1% (stronger) | 8.2% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U. S. Employees O. C. Federal Credit Union has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), U. S. Employees O. C. Federal Credit Union leads on 6 and Energize Credit Union on 1. 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.