Side-by-side · Q2 2026 data
Ozark Federal Credit Union vs Civic Central Credit Union
Credit union
Civic Central Credit Union
Jefferson City, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Ozark Federal Credit Union | Civic Central Credit Union |
|---|---|---|
| TellerScore | 81 | 86 (stronger) |
| Capital cushion | 66 | 88 (stronger) |
| Loan quality | 94 (stronger) | 84 |
| Earnings | 89 (stronger) | 71 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 80th | 89th |
| Total assets | $142.5M | $105.0M |
| Deposits / shares | $124.8M | $91.7M |
| Capital ratio | 11.63% | 13.84% (stronger) |
| Problem loans | 0.18% (stronger) | 0.48% |
| Net charge-offs | 0.14% (stronger) | 0.38% |
| Return on assets | 1.72% (stronger) | 1.28% |
| Loans ÷ deposits | 91.0% | 51.1% (stronger) |
| Uninsured deposits | 3.4% | 0.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Civic Central Credit Union has the higher TellerScore (86 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Ozark Federal Credit Union leads on 3 and Civic Central Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.