Side-by-side · Q2 2026 data
Bank OZK vs Rome Kraft Employees Credit Union
Credit union
Rome Kraft Employees Credit Union
Coosa, Georgia · Under $100 million in assets
Metric by metric
| Measure | Bank OZK | Rome Kraft Employees Credit Union |
|---|---|---|
| TellerScore | 76 | 89 (stronger) |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 69 | 84 (stronger) |
| Earnings | 84 | 95 (stronger) |
| Funding & liquidity | 46 | 63 (stronger) |
| Problem-loan coverage | 83 | 97 (stronger) |
| Peer percentile | 91st | 87th |
| Total assets | $41.7B | $23.0M |
| Deposits / shares | $34.0B | $17.3M |
| Capital ratio | 13.96% | 24.71% (stronger) |
| Problem loans | 0.92% | 0.49% (stronger) |
| Net charge-offs | 0.62% | 0.13% (stronger) |
| Return on assets | 1.60% | 1.88% (stronger) |
| Loans ÷ deposits | 94.4% (stronger) | 97.4% |
| Uninsured deposits | 32.5% | 9.5% (stronger) |
| Offices | 255 | 2 |
| CFPB complaints (3 yrs) | 153 | — |
| Complaints per $1B deposits | 4.5 | — |
| Mortgage denial rate (HMDA) | 37.8% | — |
Rome Kraft Employees Credit Union has the higher TellerScore (89 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Bank OZK leads on 1 and Rome Kraft Employees Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.