Side-by-side · Q2 2026 data
Velma Federal Credit Union vs Growing Oaks Federal Credit Union
Credit union
Growing Oaks Federal Credit Union
Goldsby, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | Velma Federal Credit Union | Growing Oaks Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 55 |
| Capital cushion | 100 (stronger) | 45 |
| Loan quality | 48 | 73 (stronger) |
| Earnings | 100 (stronger) | 24 |
| Funding & liquidity | 59 | 63 (stronger) |
| Problem-loan coverage | 81 | 87 (stronger) |
| Peer percentile | 62nd | 15th |
| Total assets | $3.1M | $4.1M |
| Deposits / shares | $2.6M | $3.6M |
| Capital ratio | 15.16% (stronger) | 9.54% |
| Problem loans | 1.55% | 0.80% (stronger) |
| Net charge-offs | 0.30% (stronger) | 0.46% |
| Return on assets | 2.08% (stronger) | 0.10% |
| Loans ÷ deposits | 100.9% | 83.4% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 27.2% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Velma Federal Credit Union has the higher TellerScore (79 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Velma Federal Credit Union leads on 5 and Growing Oaks Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.