Side-by-side · Q2 2026 data
Ozarks Federal Savings and Loan Association vs De Soto Mo Pac Credit Union
Bank
Ozarks Federal Savings and Loan Association
Farmington, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Ozarks Federal Savings and Loan Association | De Soto Mo Pac Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 58 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 68 (stronger) | 56 |
| Earnings | 55 (stronger) | 43 |
| Funding & liquidity | 63 | 85 (stronger) |
| Problem-loan coverage | 90 (stronger) | 82 |
| Peer percentile | 64th | 19th |
| Total assets | $277.2M | $30.5M |
| Deposits / shares | $227.7M | $27.4M |
| Capital ratio | 15.09% (stronger) | 9.74% |
| Problem loans | 0.95% (stronger) | 1.33% |
| Net charge-offs | -0.01% | -0.01% (stronger) |
| Return on assets | 0.87% (stronger) | 0.58% |
| Loans ÷ deposits | 97.1% | 74.8% (stronger) |
| Uninsured deposits | 7.7% (stronger) | 15.2% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ozarks Federal Savings and Loan Association has the higher TellerScore (76 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Ozarks Federal Savings and Loan Association leads on 5 and De Soto Mo Pac Credit Union on 2. 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.