Side-by-side · Q2 2026 data
Lutheran Federal Credit Union vs De Soto Mo Pac Credit Union
Metric by metric
| Measure | Lutheran Federal Credit Union | De Soto Mo Pac Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 58 |
| Capital cushion | 40 | 47 (stronger) |
| Loan quality | 100 (stronger) | 56 |
| Earnings | 56 (stronger) | 43 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 47th | 19th |
| Total assets | $38.6M | $30.5M |
| Deposits / shares | $35.1M | $27.4M |
| Capital ratio | 9.02% | 9.74% (stronger) |
| Problem loans | 0.00% (stronger) | 1.33% |
| Net charge-offs | -0.07% (stronger) | -0.01% |
| Return on assets | 0.90% (stronger) | 0.58% |
| Loans ÷ deposits | 50.7% (stronger) | 74.8% |
| Uninsured deposits | 12.4% (stronger) | 15.2% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lutheran Federal Credit Union has the higher TellerScore (73 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Lutheran Federal Credit Union leads on 6 and De Soto Mo Pac Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.