Side-by-side · Q2 2026 data
Southwest Missouri Bank vs Joplin Metro Credit Union
Metric by metric
| Measure | Southwest Missouri Bank | Joplin Metro Credit Union |
|---|---|---|
| TellerScore | 68 | 89 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 92 (stronger) | 74 |
| Earnings | 61 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 72 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 49th | 87th |
| Total assets | $1.2B | $57.8M |
| Deposits / shares | $1.0B | $47.3M |
| Capital ratio | 8.73% | 17.73% (stronger) |
| Problem loans | 0.25% (stronger) | 0.78% |
| Net charge-offs | 0.16% (stronger) | 0.25% |
| Return on assets | 1.03% | 2.06% (stronger) |
| Loans ÷ deposits | 60.7% (stronger) | 88.5% |
| Uninsured deposits | 30.3% | 0.7% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.3% | — |
Joplin Metro Credit Union has the higher TellerScore (89 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Southwest Missouri Bank leads on 3 and Joplin Metro Credit Union on 4. 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.