Side-by-side · Q2 2026 data
First State Bank of the Ozarks vs Conservation Employees Credit Union
Credit union
Conservation Employees Credit Union
Jefferson City, Missouri · $100 million – $1 billion
Metric by metric
| Measure | First State Bank of the Ozarks | Conservation Employees Credit Union |
|---|---|---|
| TellerScore | 55 | 74 (stronger) |
| Capital cushion | 31 | 48 (stronger) |
| Loan quality | 48 | 93 (stronger) |
| Earnings | 79 (stronger) | 67 |
| Funding & liquidity | 71 | 90 (stronger) |
| Problem-loan coverage | 74 | 97 (stronger) |
| Peer percentile | 11th | 63rd |
| Total assets | $248.9M | $194.9M |
| Deposits / shares | $220.8M | $176.5M |
| Capital ratio | 8.09% | 9.75% (stronger) |
| Problem loans | 1.55% | 0.20% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.03% |
| Return on assets | 1.48% (stronger) | 1.17% |
| Loans ÷ deposits | 79.3% | 69.9% (stronger) |
| Uninsured deposits | 23.4% | 5.0% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Conservation Employees Credit Union has the higher TellerScore (74 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of the Ozarks leads on 2 and Conservation Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.