Side-by-side · Q2 2026 data
TBO Bank vs Independence Teachers Credit Union
Credit union
Independence Teachers Credit Union
Independence, Missouri · Under $100 million in assets
Metric by metric
| Measure | TBO Bank | Independence Teachers Credit Union |
|---|---|---|
| TellerScore | 50 | 92 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 44 | 99 (stronger) |
| Earnings | 50 | 60 (stronger) |
| Funding & liquidity | 25 | 100 (stronger) |
| Problem-loan coverage | 79 | 100 (stronger) |
| Peer percentile | 7th | 92nd |
| Total assets | $224.8M | $16.5M |
| Deposits / shares | $195.8M | $13.9M |
| Capital ratio | 10.87% | 15.52% (stronger) |
| Problem loans | 1.69% | 0.03% (stronger) |
| Net charge-offs | 34.35% | 0.45% (stronger) |
| Return on assets | 0.74% | 1.00% (stronger) |
| Loans ÷ deposits | 88.2% | 32.4% (stronger) |
| Uninsured deposits | 57.8% | 1.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Independence Teachers Credit Union has the higher TellerScore (92 vs 50). On the 7 directional measures above (where higher or lower is clearly better), TBO Bank leads on 0 and Independence Teachers 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.