Side-by-side · Q2 2026 data
Sterling Bank vs Ozark Federal Credit Union
Metric by metric
| Measure | Sterling Bank | Ozark Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 61 | 66 (stronger) |
| Loan quality | 88 | 94 (stronger) |
| Earnings | 85 | 89 (stronger) |
| Funding & liquidity | 77 (stronger) | 69 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 86th | 80th |
| Total assets | $1.6B | $142.5M |
| Deposits / shares | $1.4B | $124.8M |
| Capital ratio | 11.14% | 11.63% (stronger) |
| Problem loans | 0.35% | 0.18% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.14% |
| Return on assets | 1.63% | 1.72% (stronger) |
| Loans ÷ deposits | 77.2% (stronger) | 91.0% |
| Uninsured deposits | 21.0% | 3.4% (stronger) |
| Offices | 16 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
Ozark Federal Credit Union has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Sterling Bank leads on 2 and Ozark Federal 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.