Side-by-side · Q2 2026 data
Lake-Osceola State Bank vs Filer Credit Union
Metric by metric
| Measure | Lake-Osceola State Bank | Filer Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 78 |
| Capital cushion | 75 | 78 (stronger) |
| Loan quality | 92 (stronger) | 72 |
| Earnings | 84 (stronger) | 70 |
| Funding & liquidity | 87 | 92 (stronger) |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 88th | 74th |
| Total assets | $469.4M | $262.4M |
| Deposits / shares | $403.4M | $232.6M |
| Capital ratio | 12.53% | 12.76% (stronger) |
| Problem loans | 0.24% (stronger) | 0.84% |
| Net charge-offs | 0.16% (stronger) | 0.34% |
| Return on assets | 1.60% (stronger) | 1.26% |
| Loans ÷ deposits | 62.4% (stronger) | 67.8% |
| Uninsured deposits | 24.8% | 4.4% (stronger) |
| Offices | 12 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lake-Osceola State Bank has the higher TellerScore (85 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Lake-Osceola State Bank leads on 5 and Filer Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.