TellerScore

Headquartered in Oklahoma City, Oklahoma, U. S. Employees O. C. Federal Credit Union is a federal credit union with $213.5M in total assets and $181.4M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1938.

U. S. Employees O. C. Federal Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 1,341 credit unions with $100 million – $1 billion. Among 52 credit unions headquartered in Oklahoma, it ranks 9th. Capital cushion contributes the most (100/100, 16.31%); earnings contributes the least (49/100, 0.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.31%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.20%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity80/100
Loans ÷ shares: 80.3% · 5.1% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.18%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (87 → 85), mostly because the funding & liquidity component weakened by 8 points.

TellerScore
848687Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202486
Q4 202485
Q1 202586
Q2 202587
Q3 202587
Q4 202586
Q1 202686
Q2 202685
Net worth ratio
7.00%11.89%16.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.11%
Q3 202415.73%
Q4 202415.48%
Q1 202515.76%
Q2 202516.37%
Q3 202516.32%
Q4 202516.78%
Q1 202616.42%
Q2 202616.31%
Delinquent loans (60+ days)
0.19%0.27%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.19%
Q4 20240.26%
Q1 20250.20%
Q2 20250.23%
Q3 20250.23%
Q4 20250.26%
Q1 20260.30%
Q2 20260.20%
Return on assets
0.70%0.82%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.78%
Q4 20240.74%
Q1 20250.74%
Q2 20250.90%
Q3 20250.89%
Q4 20250.94%
Q1 20260.92%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$213.5M16.31%0.20%0.73%80.3%
Q1 202686$210.2M16.42%0.30%0.92%78.2%
Q4 202586$202.8M16.78%0.26%0.94%76.2%
Q3 202587$206.1M16.32%0.23%0.89%73.6%
Q2 202587$202.6M16.37%0.23%0.90%72.6%
Q1 202586$207.1M15.76%0.20%0.74%71.5%
Q4 202485$208.4M15.48%0.26%0.74%72.0%
Q3 202486$203.8M15.73%0.19%0.78%74.4%
Q2 202484$209.0M15.11%0.36%0.70%72.1%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.31%
91st
Problem loans0.20%
90th
Net charge-offs0.69%
21st
Return on assets0.73%
49th
Loans to deposits80.3%
40th
Uninsured deposits5.1%
59th
Loan-loss reserves0.00%
50th
Texas ratio2.2%
74th

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Okunity Federal Credit UnionCredit union Stillwater, OK72 out of 100, Strong$214.7M12.3%0.48%vs
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
Endurance Federal Credit UnionCredit union Duncan, OK83 out of 100, Strong$196.5M13.7%0.21%vs
Municipal Emps CU of Oklahoma City Credit UnionCredit union Oklahoma City, OK62 out of 100, Moderate$190.5M8.8%0.17%vs
Western Sun Federal Credit UnionCredit union Broken Arrow, OK73 out of 100, Strong$181.5M17.6%0.71%vs
Red Crown Federal Credit UnionCredit union Tulsa, OK66 out of 100, Moderate$256.7M10.7%0.41%vs

Deposit insurance

Is my money safe at U. S. Employees O. C. Federal Credit Union?

Yes. U. S. Employees O. C. Federal Credit Union is a federally insured credit union (NCUA charter #2744). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.1% of shares and deposits ($9.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.31%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

U. S. Employees O. C. Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
U. S. Employees O. C. Federal Credit Union
Type
Federal credit union
NCUA charter #
2744
RSSD ID
970774
Primary regulator
NCUA
Established
1938
Headquarters
4301 S. Interstate 44 Service Rd, Oklahoma City, OK 73119
Employees
55

Quick answers

U. S. Employees O. C. Federal Credit Union: common questions

Is U. S. Employees O. C. Federal Credit Union NCUA insured?

Yes. U. S. Employees O. C. Federal Credit Union is a federally insured credit union (NCUA charter #2744). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is U. S. Employees O. C. Federal Credit Union's TellerScore?

85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does U. S. Employees O. C. Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oklahoma City

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Correctional Workers Federal Credit UnionCredit union El Reno, OK88 out of 100, Very strong$10.5M17.9%0.19%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs