Side-by-side · Q2 2026 data
Exchange Bank of Missouri vs United Credit Union
Metric by metric
| Measure | Exchange Bank of Missouri | United Credit Union |
|---|---|---|
| TellerScore | 49 | 88 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 14 | 87 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 44 | 85 (stronger) |
| Problem-loan coverage | 52 | 97 (stronger) |
| Peer percentile | 6th | 92nd |
| Total assets | $453.8M | $302.1M |
| Deposits / shares | $409.7M | $253.5M |
| Capital ratio | 9.51% | 15.17% (stronger) |
| Problem loans | 2.59% | 0.40% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.64% |
| Return on assets | 2.01% (stronger) | 1.19% |
| Loans ÷ deposits | 84.1% | 75.5% (stronger) |
| Uninsured deposits | 44.4% | 6.3% (stronger) |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Credit Union has the higher TellerScore (88 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank of Missouri leads on 2 and United Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fulton, MO