Side-by-side · Q2 2026 data
Our Lady of Snows Credit Union vs Missouri Electric Cooperatives Empl
Credit union
Our Lady of Snows Credit Union
Henley, Missouri · Under $100 million in assets
Credit union
Missouri Electric Cooperatives Empl
Jefferson City, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Our Lady of Snows Credit Union | Missouri Electric Cooperatives Empl |
|---|---|---|
| TellerScore | 96 (stronger) | 82 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 82 (stronger) | 75 |
| Funding & liquidity | 96 (stronger) | 93 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 97th | 82nd |
| Total assets | $4.6M | $396.8M |
| Deposits / shares | $3.9M | $344.0M |
| Capital ratio | 15.27% (stronger) | 11.32% |
| Problem loans | 0.00% (stronger) | 0.13% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.55% (stronger) | 1.37% |
| Loans ÷ deposits | 63.8% (stronger) | 67.3% |
| Uninsured deposits | 0.0% (stronger) | 12.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
Our Lady of Snows Credit Union has the higher TellerScore (96 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Our Lady of Snows Credit Union leads on 7 and Missouri Electric Cooperatives Empl on 0. 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.