Side-by-side · Q2 2026 data
First Bank of the Lake 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 | First Bank of the Lake | Our Lady of Snows Credit Union |
|---|---|---|
| TellerScore | 26 | 96 (stronger) |
| Capital cushion | 21 | 100 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 53 | 82 (stronger) |
| Funding & liquidity | 54 | 96 (stronger) |
| Problem-loan coverage | 13 | 100 (stronger) |
| Peer percentile | 0th | 97th |
| Total assets | $2.3B | $4.6M |
| Deposits / shares | $2.0B | $3.9M |
| Capital ratio | 7.08% | 15.27% (stronger) |
| Problem loans | 3.70% | 0.00% (stronger) |
| Net charge-offs | 0.62% | 0.00% (stronger) |
| Return on assets | 0.83% | 1.55% (stronger) |
| Loans ÷ deposits | 106.6% | 63.8% (stronger) |
| Uninsured deposits | 8.4% | 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 26). On the 7 directional measures above (where higher or lower is clearly better), First Bank of the Lake leads on 0 and Our Lady of Snows Credit Union on 7. 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.