Side-by-side · Q2 2026 data
U. S. Employees O. C. Federal Credit Union vs Oklahoma Educators Credit Union
Credit union
U. S. Employees O. C. Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Credit union
Oklahoma Educators Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | U. S. Employees O. C. Federal Credit Union | Oklahoma Educators Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 93 (stronger) | 83 |
| Earnings | 49 (stronger) | 46 |
| Funding & liquidity | 80 | 95 (stronger) |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 87th | 57th |
| Total assets | $213.5M | $305.2M |
| Deposits / shares | $181.4M | $240.4M |
| Capital ratio | 16.31% (stronger) | 11.26% |
| Problem loans | 0.20% (stronger) | 0.51% |
| Net charge-offs | 0.69% (stronger) | 1.07% |
| Return on assets | 0.73% (stronger) | 0.66% |
| Loans ÷ deposits | 80.3% | 65.2% (stronger) |
| Uninsured deposits | 5.1% | 5.0% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.2% |
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 5 and Oklahoma Educators Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.