Side-by-side · Q2 2026 data
Ozark Federal Credit Union vs United Consumers Credit Union
Metric by metric
| Measure | Ozark Federal Credit Union | United Consumers Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 69 |
| Capital cushion | 66 | 70 (stronger) |
| Loan quality | 94 (stronger) | 61 |
| Earnings | 89 (stronger) | 63 |
| Funding & liquidity | 69 | 77 (stronger) |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 80th | 48th |
| Total assets | $142.5M | $217.2M |
| Deposits / shares | $124.8M | $189.3M |
| Capital ratio | 11.63% | 11.97% (stronger) |
| Problem loans | 0.18% (stronger) | 1.17% |
| Net charge-offs | 0.14% (stronger) | 0.35% |
| Return on assets | 1.72% (stronger) | 1.07% |
| Loans ÷ deposits | 91.0% | 83.1% (stronger) |
| Uninsured deposits | 3.4% (stronger) | 7.8% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.8% |
Ozark Federal Credit Union has the higher TellerScore (81 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Ozark Federal Credit Union leads on 5 and United Consumers Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.