Side-by-side · Q2 2026 data
Oostburg State Bank vs Premier Financial Credit Union
Metric by metric
| Measure | Oostburg State Bank | Premier Financial Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 78 |
| Capital cushion | 66 | 86 (stronger) |
| Loan quality | 96 (stronger) | 68 |
| Earnings | 75 (stronger) | 64 |
| Funding & liquidity | 72 | 89 (stronger) |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 75th | 74th |
| Total assets | $440.2M | $132.4M |
| Deposits / shares | $388.4M | $112.8M |
| Capital ratio | 11.64% | 13.55% (stronger) |
| Problem loans | 0.13% (stronger) | 0.95% |
| Net charge-offs | 0.13% | 0.06% (stronger) |
| Return on assets | 1.39% (stronger) | 1.09% |
| Loans ÷ deposits | 81.6% | 71.1% (stronger) |
| Uninsured deposits | 21.3% | 1.7% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.1% | 4.8% |
Oostburg State Bank has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Oostburg State Bank leads on 3 and Premier Financial Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.