Side-by-side · Q2 2026 data
Citizens Bank of Eldon vs Our Lady of Snows Credit Union
Credit union
Our Lady of Snows Credit Union
Henley, Missouri · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank of Eldon | Our Lady of Snows Credit Union |
|---|---|---|
| TellerScore | 76 | 96 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 70 | 100 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 67 | 96 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 64th | 97th |
| Total assets | $247.3M | $4.6M |
| Deposits / shares | $216.3M | $3.9M |
| Capital ratio | 11.53% | 15.27% (stronger) |
| Problem loans | 0.90% | 0.00% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.00% |
| Return on assets | 2.23% (stronger) | 1.55% |
| Loans ÷ deposits | 93.3% | 63.8% (stronger) |
| Uninsured deposits | 13.1% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Our Lady of Snows Credit Union has the higher TellerScore (96 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Eldon leads on 2 and Our Lady of Snows Credit Union on 5. 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.