Side-by-side · Q2 2026 data
First Midwest Bank of the Ozarks vs Ozark Federal Credit Union
Metric by metric
| Measure | First Midwest Bank of the Ozarks | Ozark Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 81 (stronger) |
| Capital cushion | 58 | 66 (stronger) |
| Loan quality | 67 | 94 (stronger) |
| Earnings | 92 (stronger) | 89 |
| Funding & liquidity | 51 | 69 (stronger) |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 40th | 80th |
| Total assets | $733.2M | $142.5M |
| Deposits / shares | $646.6M | $124.8M |
| Capital ratio | 10.84% | 11.63% (stronger) |
| Problem loans | 1.00% | 0.18% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.14% |
| Return on assets | 1.81% (stronger) | 1.72% |
| Loans ÷ deposits | 96.8% | 91.0% (stronger) |
| Uninsured deposits | 26.2% | 3.4% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | — |
Ozark Federal Credit Union has the higher TellerScore (81 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First Midwest Bank of the Ozarks leads on 2 and Ozark Federal 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.