Side-by-side · Q2 2026 data
Lake-Osceola State Bank vs Gerber Federal Credit Union
Metric by metric
| Measure | Lake-Osceola State Bank | Gerber Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 67 |
| Capital cushion | 75 (stronger) | 52 |
| Loan quality | 92 (stronger) | 70 |
| Earnings | 84 (stronger) | 50 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 88th | 41st |
| Total assets | $469.4M | $259.5M |
| Deposits / shares | $403.4M | $233.0M |
| Capital ratio | 12.53% (stronger) | 10.19% |
| Problem loans | 0.24% (stronger) | 0.89% |
| Net charge-offs | 0.16% (stronger) | 0.54% |
| Return on assets | 1.60% (stronger) | 0.74% |
| Loans ÷ deposits | 62.4% | 60.5% (stronger) |
| Uninsured deposits | 24.8% | 2.5% (stronger) |
| Offices | 12 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.2% |
Lake-Osceola State Bank has the higher TellerScore (85 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Lake-Osceola State Bank leads on 5 and Gerber Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.