Side-by-side · Q2 2026 data
Bank OZK vs Truliant Federal Credit Union
Credit union
Truliant Federal Credit Union
Winston Salem, North Carolina · $1 billion – $10 billion
Metric by metric
| Measure | Bank OZK | Truliant Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 67 |
| Capital cushion | 90 (stronger) | 56 |
| Loan quality | 69 | 70 (stronger) |
| Earnings | 84 (stronger) | 69 |
| Funding & liquidity | 46 | 67 (stronger) |
| Problem-loan coverage | 83 | 85 (stronger) |
| Peer percentile | 91st | 47th |
| Total assets | $41.7B | $5.6B |
| Deposits / shares | $34.0B | $4.9B |
| Capital ratio | 13.96% (stronger) | 10.56% |
| Problem loans | 0.92% | 0.90% (stronger) |
| Net charge-offs | 0.62% (stronger) | 1.31% |
| Return on assets | 1.60% (stronger) | 1.22% |
| Loans ÷ deposits | 94.4% | 93.7% (stronger) |
| Uninsured deposits | 32.5% | 9.0% (stronger) |
| Offices | 255 | 17 |
| CFPB complaints (3 yrs) | 153 | — |
| Complaints per $1B deposits | 4.5 | — |
| Mortgage denial rate (HMDA) | 37.8% | 50.3% |
Bank OZK has the higher TellerScore (76 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Bank OZK leads on 4 and Truliant Federal Credit Union on 3. 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.