Side-by-side · Q2 2026 data
Osgood Bank vs Members Choice Credit Union
Metric by metric
| Measure | Osgood Bank | Members Choice Credit Union |
|---|---|---|
| TellerScore | 72 | 92 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 87 (stronger) | 85 |
| Earnings | 72 | 78 (stronger) |
| Funding & liquidity | 79 | 99 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 50th | 92nd |
| Total assets | $485.8M | $38.9M |
| Deposits / shares | $437.3M | $31.7M |
| Capital ratio | 9.86% | 17.95% (stronger) |
| Problem loans | 0.38% (stronger) | 0.44% |
| Net charge-offs | 0.28% | -1.11% (stronger) |
| Return on assets | 1.29% | 1.44% (stronger) |
| Loans ÷ deposits | 68.1% | 61.6% (stronger) |
| Uninsured deposits | 27.2% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Choice Credit Union has the higher TellerScore (92 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Osgood Bank leads on 1 and Members Choice Credit Union on 6. 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.