Side-by-side · Q2 2026 data
South Ottumwa Savings Bank vs Members Community Credit Union
Metric by metric
| Measure | South Ottumwa Savings Bank | Members Community Credit Union |
|---|---|---|
| TellerScore | 77 | 82 (stronger) |
| Capital cushion | 80 (stronger) | 75 |
| Loan quality | 72 | 92 (stronger) |
| Earnings | 76 (stronger) | 68 |
| Funding & liquidity | 70 | 86 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 68th | 70th |
| Total assets | $565.4M | $99.2M |
| Deposits / shares | $473.9M | $83.0M |
| Capital ratio | 13.00% (stronger) | 12.48% |
| Problem loans | 0.83% | 0.25% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.23% |
| Return on assets | 1.40% (stronger) | 1.21% |
| Loans ÷ deposits | 67.7% (stronger) | 73.8% |
| Uninsured deposits | 35.1% | 3.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Community Credit Union has the higher TellerScore (82 vs 77). On the 7 directional measures above (where higher or lower is clearly better), South Ottumwa Savings Bank leads on 4 and Members Community Credit Union on 3. 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.