Side-by-side · Q2 2026 data
Civic Central Credit Union vs Our Lady of Snows Credit Union
Credit union
Civic Central Credit Union
Jefferson City, Missouri · $100 million – $1 billion
Credit union
Our Lady of Snows Credit Union
Henley, Missouri · Under $100 million in assets
Metric by metric
| Measure | Civic Central Credit Union | Our Lady of Snows Credit Union |
|---|---|---|
| TellerScore | 86 | 96 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 71 | 82 (stronger) |
| Funding & liquidity | 100 (stronger) | 96 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 89th | 97th |
| Total assets | $105.0M | $4.6M |
| Deposits / shares | $91.7M | $3.9M |
| Capital ratio | 13.84% | 15.27% (stronger) |
| Problem loans | 0.48% | 0.00% (stronger) |
| Net charge-offs | 0.38% | 0.00% (stronger) |
| Return on assets | 1.28% | 1.55% (stronger) |
| Loans ÷ deposits | 51.1% (stronger) | 63.8% |
| Uninsured deposits | 0.5% | 0.0% (stronger) |
| Offices | 1 | 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 86). On the 7 directional measures above (where higher or lower is clearly better), Civic Central Credit Union leads on 1 and Our Lady of Snows 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.