Side-by-side · Q2 2026 data
Midwest Independent BankersBank vs Civic Central Credit Union
Credit union
Civic Central Credit Union
Jefferson City, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Midwest Independent BankersBank | Civic Central Credit Union |
|---|---|---|
| TellerScore | 83 | 86 (stronger) |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 75 (stronger) | 71 |
| Funding & liquidity | 19 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 84th | 89th |
| Total assets | $341.4M | $105.0M |
| Deposits / shares | $259.4M | $91.7M |
| Capital ratio | 15.26% (stronger) | 13.84% |
| Problem loans | 0.00% (stronger) | 0.48% |
| Net charge-offs | -0.07% (stronger) | 0.38% |
| Return on assets | 1.38% (stronger) | 1.28% |
| Loans ÷ deposits | 92.1% | 51.1% (stronger) |
| Uninsured deposits | 59.1% | 0.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Civic Central Credit Union has the higher TellerScore (86 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Midwest Independent BankersBank leads on 4 and Civic Central Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.