Side-by-side · Q2 2026 data
Western Sun Federal Credit Union vs The Focus Federal Credit Union
Credit union
Western Sun Federal Credit Union
Broken Arrow, Oklahoma · $100 million – $1 billion
Credit union
The Focus Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | Western Sun Federal Credit Union | The Focus Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 76 | 85 (stronger) |
| Earnings | 24 (stronger) | 21 |
| Funding & liquidity | 65 | 71 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 60th | 14th |
| Total assets | $181.5M | $163.2M |
| Deposits / shares | $148.2M | $147.9M |
| Capital ratio | 17.57% (stronger) | 8.99% |
| Problem loans | 0.71% | 0.45% (stronger) |
| Net charge-offs | 0.69% | 0.48% (stronger) |
| Return on assets | 0.09% (stronger) | 0.03% |
| Loans ÷ deposits | 95.7% | 88.9% (stronger) |
| Uninsured deposits | 2.7% (stronger) | 8.2% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.8% | 44.9% |
Western Sun Federal Credit Union has the higher TellerScore (73 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Western Sun Federal Credit Union leads on 4 and The Focus Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.