Side-by-side · Q2 2026 data
Ozark Federal Credit Union vs Conservation Employees Credit Union
Credit union
Conservation Employees Credit Union
Jefferson City, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Ozark Federal Credit Union | Conservation Employees Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 74 |
| Capital cushion | 66 (stronger) | 48 |
| Loan quality | 94 (stronger) | 93 |
| Earnings | 89 (stronger) | 67 |
| Funding & liquidity | 69 | 90 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 80th | 63rd |
| Total assets | $142.5M | $194.9M |
| Deposits / shares | $124.8M | $176.5M |
| Capital ratio | 11.63% (stronger) | 9.75% |
| Problem loans | 0.18% (stronger) | 0.20% |
| Net charge-offs | 0.14% | 0.03% (stronger) |
| Return on assets | 1.72% (stronger) | 1.17% |
| Loans ÷ deposits | 91.0% | 69.9% (stronger) |
| Uninsured deposits | 3.4% (stronger) | 5.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ozark Federal Credit Union has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Ozark Federal Credit Union leads on 5 and Conservation Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.