Side-by-side · Q2 2026 data
Watermark Bank vs U. S. Employees O. C. Federal Credit Union
Credit union
U. S. Employees O. C. Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | Watermark Bank | U. S. Employees O. C. Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 85 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 73 (stronger) | 49 |
| Funding & liquidity | 44 | 80 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 80th | 87th |
| Total assets | $450.5M | $213.5M |
| Deposits / shares | $387.4M | $181.4M |
| Capital ratio | 13.29% | 16.31% (stronger) |
| Problem loans | 0.00% (stronger) | 0.20% |
| Net charge-offs | -0.02% (stronger) | 0.69% |
| Return on assets | 1.34% (stronger) | 0.73% |
| Loans ÷ deposits | 97.1% | 80.3% (stronger) |
| Uninsured deposits | 32.6% | 5.1% (stronger) |
| Offices | 1 | 4 |
| 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 81). On the 7 directional measures above (where higher or lower is clearly better), Watermark Bank leads on 3 and U. S. Employees O. C. Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.