Side-by-side · Q2 2026 data
South Ottumwa Savings Bank vs Meridian Credit Union
Metric by metric
| Measure | South Ottumwa Savings Bank | Meridian Credit Union |
|---|---|---|
| TellerScore | 77 | 91 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 72 | 95 (stronger) |
| Earnings | 76 (stronger) | 61 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 68th | 90th |
| Total assets | $565.4M | $34.4M |
| Deposits / shares | $473.9M | $28.6M |
| Capital ratio | 13.00% | 16.74% (stronger) |
| Problem loans | 0.83% | 0.14% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.48% |
| Return on assets | 1.40% (stronger) | 1.02% |
| Loans ÷ deposits | 67.7% | 46.3% (stronger) |
| Uninsured deposits | 35.1% | 2.1% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Meridian Credit Union has the higher TellerScore (91 vs 77). On the 7 directional measures above (where higher or lower is clearly better), South Ottumwa Savings Bank leads on 2 and Meridian Credit Union on 5. 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.