Side-by-side · Q2 2026 data
Freedom Bank of Southern Missouri vs Conservation Employees Credit Union
Credit union
Conservation Employees Credit Union
Jefferson City, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Freedom Bank of Southern Missouri | Conservation Employees Credit Union |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 37 | 48 (stronger) |
| Loan quality | 96 (stronger) | 93 |
| Earnings | 97 (stronger) | 67 |
| Funding & liquidity | 56 | 90 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 53rd | 63rd |
| Total assets | $850.1M | $194.9M |
| Deposits / shares | $760.1M | $176.5M |
| Capital ratio | 8.72% | 9.75% (stronger) |
| Problem loans | 0.13% (stronger) | 0.20% |
| Net charge-offs | 0.04% | 0.03% (stronger) |
| Return on assets | 1.93% (stronger) | 1.17% |
| Loans ÷ deposits | 92.1% | 69.9% (stronger) |
| Uninsured deposits | 26.0% | 5.0% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
Conservation Employees Credit Union has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Freedom Bank of Southern Missouri leads on 2 and Conservation Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.