Side-by-side · Q2 2026 data
Ozark Bank vs Foundation Credit Union
Metric by metric
| Measure | Ozark Bank | Foundation Credit Union |
|---|---|---|
| TellerScore | 55 | 79 (stronger) |
| Capital cushion | 42 | 93 (stronger) |
| Loan quality | 51 | 89 (stronger) |
| Earnings | 65 (stronger) | 43 |
| Funding & liquidity | 58 | 70 (stronger) |
| Problem-loan coverage | 77 | 97 (stronger) |
| Peer percentile | 11th | 62nd |
| Total assets | $341.0M | $76.6M |
| Deposits / shares | $283.1M | $64.5M |
| Capital ratio | 9.23% | 14.31% (stronger) |
| Problem loans | 1.47% | 0.33% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.27% |
| Return on assets | 1.12% (stronger) | 0.59% |
| Loans ÷ deposits | 89.7% (stronger) | 89.8% |
| Uninsured deposits | 26.2% | 7.8% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | 0.0% |
Foundation Credit Union has the higher TellerScore (79 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Ozark Bank leads on 3 and Foundation Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.