Side-by-side · Q2 2026 data
U. S. Employees O. C. Federal Credit Union vs Tinker Federal 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 | Tinker Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 97 |
| Loan quality | 93 (stronger) | 79 |
| Earnings | 49 | 53 (stronger) |
| Funding & liquidity | 80 | 91 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 87th | 92nd |
| Total assets | $213.5M | $6.1B |
| Deposits / shares | $181.4M | $5.2B |
| Capital ratio | 16.31% (stronger) | 14.72% |
| Problem loans | 0.20% (stronger) | 0.63% |
| Net charge-offs | 0.69% (stronger) | 0.96% |
| Return on assets | 0.73% | 0.82% (stronger) |
| Loans ÷ deposits | 80.3% | 69.1% (stronger) |
| Uninsured deposits | 5.1% (stronger) | 13.5% |
| Offices | 4 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 33.6% |
U. S. Employees O. C. Federal Credit Union has the higher TellerScore (85 vs 83). 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 Tinker Federal Credit Union on 2. 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.