Side-by-side · Q2 2026 data
Mid-Missouri Bank vs Educational Community Credit Union
Credit union
Educational Community Credit Union
Springfield, Missouri · Under $100 million in assets
Metric by metric
| Measure | Mid-Missouri Bank | Educational Community Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 65 |
| Capital cushion | 58 (stronger) | 48 |
| Loan quality | 98 (stronger) | 71 |
| Earnings | 85 (stronger) | 43 |
| Funding & liquidity | 74 | 99 (stronger) |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 77th | 30th |
| Total assets | $946.7M | $77.7M |
| Deposits / shares | $844.3M | $69.5M |
| Capital ratio | 10.80% (stronger) | 9.82% |
| Problem loans | 0.07% (stronger) | 0.86% |
| Net charge-offs | 0.04% (stronger) | 0.62% |
| Return on assets | 1.63% (stronger) | 0.58% |
| Loans ÷ deposits | 79.6% | 61.6% (stronger) |
| Uninsured deposits | 20.7% | 3.3% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mid-Missouri Bank has the higher TellerScore (80 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Mid-Missouri Bank leads on 5 and Educational Community Credit Union on 2. 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.