Side-by-side · Q2 2026 data
U. S. Employees O. C. Federal Credit Union vs The Focus Federal Credit Union
Credit union
U. S. Employees O. C. Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Credit union
The Focus Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | U. S. Employees O. C. Federal Credit Union | The Focus Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 93 (stronger) | 85 |
| Earnings | 49 (stronger) | 21 |
| Funding & liquidity | 80 (stronger) | 71 |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 87th | 14th |
| Total assets | $213.5M | $163.2M |
| Deposits / shares | $181.4M | $147.9M |
| Capital ratio | 16.31% (stronger) | 8.99% |
| Problem loans | 0.20% (stronger) | 0.45% |
| Net charge-offs | 0.69% | 0.48% (stronger) |
| Return on assets | 0.73% (stronger) | 0.03% |
| Loans ÷ deposits | 80.3% (stronger) | 88.9% |
| Uninsured deposits | 5.1% (stronger) | 8.2% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 44.9% |
U. S. Employees O. C. Federal Credit Union has the higher TellerScore (85 vs 57). 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 The Focus Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.