Side-by-side · Q2 2026 data
U. S. Employees O. C. Federal Credit Union vs True Sky Federal Credit Union
Credit union
U. S. Employees O. C. Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Credit union
True Sky Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | U. S. Employees O. C. Federal Credit Union | True Sky Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 48 |
| Capital cushion | 100 (stronger) | 13 |
| Loan quality | 93 (stronger) | 68 |
| Earnings | 49 (stronger) | 29 |
| Funding & liquidity | 80 | 88 (stronger) |
| Problem-loan coverage | 96 (stronger) | 78 |
| Peer percentile | 87th | 4th |
| Total assets | $213.5M | $778.4M |
| Deposits / shares | $181.4M | $715.3M |
| Capital ratio | 16.31% (stronger) | 6.35% |
| Problem loans | 0.20% (stronger) | 0.96% |
| Net charge-offs | 0.69% (stronger) | 0.74% |
| Return on assets | 0.73% (stronger) | 0.23% |
| Loans ÷ deposits | 80.3% | 72.4% (stronger) |
| Uninsured deposits | 5.1% (stronger) | 7.9% |
| Offices | 4 | 10 |
| 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 48). 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 True Sky Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.