Side-by-side · Q2 2026 data
Legends Bank vs J C Federal Employees Credit Union
Credit union
J C Federal Employees Credit Union
Jefferson City, Missouri · Under $100 million in assets
Metric by metric
| Measure | Legends Bank | J C Federal Employees Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 53 |
| Capital cushion | 100 | 100 |
| Loan quality | 83 (stronger) | 0 |
| Earnings | 100 (stronger) | 21 |
| Funding & liquidity | 65 | 70 (stronger) |
| Problem-loan coverage | 96 (stronger) | 80 |
| Peer percentile | 95th | 12th |
| Total assets | $635.5M | $2.7M |
| Deposits / shares | $515.2M | $2.0M |
| Capital ratio | 18.31% | 24.79% (stronger) |
| Problem loans | 0.51% (stronger) | 3.89% |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 2.26% (stronger) | 0.01% |
| Loans ÷ deposits | 88.1% (stronger) | 90.6% |
| Uninsured deposits | 21.6% | 0.2% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | — |
Legends Bank has the higher TellerScore (90 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Legends Bank leads on 4 and J C Federal Employees Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.