Side-by-side · Q2 2026 data
OSB Community Bank vs Financial Plus Credit Union
Metric by metric
| Measure | OSB Community Bank | Financial Plus Credit Union |
|---|---|---|
| TellerScore | 69 | 84 (stronger) |
| Capital cushion | 66 | 82 (stronger) |
| Loan quality | 88 (stronger) | 85 |
| Earnings | 58 | 79 (stronger) |
| Funding & liquidity | 42 | 84 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 40th | 86th |
| Total assets | $355.6M | $607.4M |
| Deposits / shares | $293.5M | $520.6M |
| Capital ratio | 11.64% | 13.24% (stronger) |
| Problem loans | 0.36% (stronger) | 0.45% |
| Net charge-offs | 0.03% (stronger) | 0.38% |
| Return on assets | 0.95% | 1.48% (stronger) |
| Loans ÷ deposits | 104.1% | 76.0% (stronger) |
| Uninsured deposits | 27.6% | 6.4% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Financial Plus Credit Union has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), OSB Community Bank leads on 2 and Financial Plus Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.