Side-by-side · Q2 2026 data
Western Sun Federal Credit Union vs Municipal Emps CU of Oklahoma City Credit Union
Credit union
Western Sun Federal Credit Union
Broken Arrow, Oklahoma · $100 million – $1 billion
Credit union
Municipal Emps CU of Oklahoma City Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | Western Sun Federal Credit Union | Municipal Emps CU of Oklahoma City Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 38 |
| Loan quality | 76 | 94 (stronger) |
| Earnings | 24 | 32 (stronger) |
| Funding & liquidity | 65 | 74 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 60th | 26th |
| Total assets | $181.5M | $190.5M |
| Deposits / shares | $148.2M | $172.3M |
| Capital ratio | 17.57% (stronger) | 8.79% |
| Problem loans | 0.71% | 0.17% (stronger) |
| Net charge-offs | 0.69% | 0.04% (stronger) |
| Return on assets | 0.09% | 0.31% (stronger) |
| Loans ÷ deposits | 95.7% | 85.9% (stronger) |
| Uninsured deposits | 2.7% (stronger) | 14.9% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.8% | — |
Western Sun Federal Credit Union has the higher TellerScore (73 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Western Sun Federal Credit Union leads on 3 and Municipal Emps CU of Oklahoma City Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.