Side-by-side · Q2 2026 data
Legends Bank vs Conservation Employees Credit Union
Credit union
Conservation Employees Credit Union
Jefferson City, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Legends Bank | Conservation Employees Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 83 | 93 (stronger) |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 65 | 90 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 95th | 63rd |
| Total assets | $635.5M | $194.9M |
| Deposits / shares | $515.2M | $176.5M |
| Capital ratio | 18.31% (stronger) | 9.75% |
| Problem loans | 0.51% | 0.20% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 2.26% (stronger) | 1.17% |
| Loans ÷ deposits | 88.1% | 69.9% (stronger) |
| Uninsured deposits | 21.6% | 5.0% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | — |
Legends Bank has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Legends Bank leads on 4 and Conservation Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.