Side-by-side · Q2 2026 data
Southern Bank vs Ozark Federal Credit Union
Metric by metric
| Measure | Southern Bank | Ozark Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 81 (stronger) |
| Capital cushion | 54 | 66 (stronger) |
| Loan quality | 79 | 94 (stronger) |
| Earnings | 81 | 89 (stronger) |
| Funding & liquidity | 58 | 69 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 58th | 80th |
| Total assets | $5.2B | $142.5M |
| Deposits / shares | $4.4B | $124.8M |
| Capital ratio | 10.45% | 11.63% (stronger) |
| Problem loans | 0.63% | 0.18% (stronger) |
| Net charge-offs | 0.22% | 0.14% (stronger) |
| Return on assets | 1.53% | 1.72% (stronger) |
| Loans ÷ deposits | 98.1% | 91.0% (stronger) |
| Uninsured deposits | 18.9% | 3.4% (stronger) |
| Offices | 64 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
Ozark Federal Credit Union has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank leads on 0 and Ozark Federal Credit Union on 7. 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.