Side-by-side · Q2 2026 data
Owen County State Bank vs Western Indiana Credit Union
Metric by metric
| Measure | Owen County State Bank | Western Indiana Credit Union |
|---|---|---|
| TellerScore | 59 | 80 (stronger) |
| Capital cushion | 36 | 76 (stronger) |
| Loan quality | 79 | 95 (stronger) |
| Earnings | 52 | 53 (stronger) |
| Funding & liquidity | 62 | 86 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 17th | 65th |
| Total assets | $388.5M | $48.7M |
| Deposits / shares | $323.8M | $42.3M |
| Capital ratio | 8.55% | 12.56% (stronger) |
| Problem loans | 0.62% | 0.15% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 0.81% | 0.82% (stronger) |
| Loans ÷ deposits | 82.3% | 74.5% (stronger) |
| Uninsured deposits | 29.3% | 0.0% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.7% | — |
Western Indiana Credit Union has the higher TellerScore (80 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Owen County State Bank leads on 0 and Western Indiana Credit Union on 7. 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.