Side-by-side · Q2 2026 data
Owen County State Bank vs Indiana Members Credit Union
Metric by metric
| Measure | Owen County State Bank | Indiana Members Credit Union |
|---|---|---|
| TellerScore | 59 | 74 (stronger) |
| Capital cushion | 36 | 56 (stronger) |
| Loan quality | 79 | 84 (stronger) |
| Earnings | 52 | 64 (stronger) |
| Funding & liquidity | 62 | 90 (stronger) |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 17th | 72nd |
| Total assets | $388.5M | $3.6B |
| Deposits / shares | $323.8M | $3.1B |
| Capital ratio | 8.55% | 10.56% (stronger) |
| Problem loans | 0.62% | 0.49% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.40% |
| Return on assets | 0.81% | 1.11% (stronger) |
| Loans ÷ deposits | 82.3% | 70.6% (stronger) |
| Uninsured deposits | 29.3% | 11.5% (stronger) |
| Offices | 7 | 33 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.7% | 14.1% |
Indiana Members Credit Union has the higher TellerScore (74 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Owen County State Bank leads on 1 and Indiana Members 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.