Side-by-side · Q2 2026 data
Owen County State Bank vs Indiana University Credit Union
Metric by metric
| Measure | Owen County State Bank | Indiana University Credit Union |
|---|---|---|
| TellerScore | 59 | 72 (stronger) |
| Capital cushion | 36 | 68 (stronger) |
| Loan quality | 79 (stronger) | 78 |
| Earnings | 52 | 63 (stronger) |
| Funding & liquidity | 62 | 72 (stronger) |
| Problem-loan coverage | 89 | 91 (stronger) |
| Peer percentile | 17th | 66th |
| Total assets | $388.5M | $2.1B |
| Deposits / shares | $323.8M | $1.8B |
| Capital ratio | 8.55% | 11.80% (stronger) |
| Problem loans | 0.62% (stronger) | 0.67% |
| Net charge-offs | 0.01% (stronger) | 0.11% |
| Return on assets | 0.81% | 1.06% (stronger) |
| Loans ÷ deposits | 82.3% (stronger) | 88.5% |
| Uninsured deposits | 29.3% | 14.3% (stronger) |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.7% | 17.1% |
Indiana University Credit Union has the higher TellerScore (72 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Owen County State Bank leads on 3 and Indiana University Credit Union on 4. 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.