Side-by-side · Q2 2026 data
Heritage Bank of the Ozarks vs Infuze Federal Credit Union
Metric by metric
| Measure | Heritage Bank of the Ozarks | Infuze Federal Credit Union |
|---|---|---|
| TellerScore | 45 | 72 (stronger) |
| Capital cushion | 46 | 55 (stronger) |
| Loan quality | 9 | 88 (stronger) |
| Earnings | 67 | 71 (stronger) |
| Funding & liquidity | 65 | 68 (stronger) |
| Problem-loan coverage | 55 | 92 (stronger) |
| Peer percentile | 4th | 57th |
| Total assets | $424.0M | $456.9M |
| Deposits / shares | $376.9M | $403.5M |
| Capital ratio | 9.64% | 10.49% (stronger) |
| Problem loans | 2.74% | 0.36% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.83% |
| Return on assets | 1.18% | 1.26% (stronger) |
| Loans ÷ deposits | 86.1% (stronger) | 92.1% |
| Uninsured deposits | 23.3% | 4.7% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Infuze Federal Credit Union has the higher TellerScore (72 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank of the Ozarks leads on 2 and Infuze Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.