Side-by-side · Q2 2026 data
United Members Federal Credit Union vs Oklahoma Central Credit Union
Credit union
United Members Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | United Members Federal Credit Union | Oklahoma Central Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 89 |
| Loan quality | 95 (stronger) | 92 |
| Earnings | 39 | 42 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 83rd | 83rd |
| Total assets | $10.4M | $760.2M |
| Deposits / shares | $8.5M | $663.4M |
| Capital ratio | 18.62% (stronger) | 13.94% |
| Problem loans | 0.15% (stronger) | 0.24% |
| Net charge-offs | 1.30% | 0.18% (stronger) |
| Return on assets | 0.47% | 0.54% (stronger) |
| Loans ÷ deposits | 36.0% (stronger) | 52.6% |
| Uninsured deposits | 4.0% (stronger) | 8.5% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 29.0% |
United Members Federal Credit Union has the higher TellerScore (87 vs 83). On the 7 directional measures above (where higher or lower is clearly better), United Members Federal Credit Union leads on 5 and Oklahoma Central 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.