Side-by-side · Q2 2026 data
Town & Country Bank vs South Central Missouri Credit Union
Credit union
South Central Missouri Credit Union
Willow Springs, Missouri · Under $100 million in assets
Metric by metric
| Measure | Town & Country Bank | South Central Missouri Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 71 |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 88 (stronger) | 45 |
| Earnings | 100 (stronger) | 27 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 90th | 42nd |
| Total assets | $747.7M | $9.2M |
| Deposits / shares | $642.2M | $7.7M |
| Capital ratio | 12.37% | 15.81% (stronger) |
| Problem loans | 0.35% (stronger) | 1.66% |
| Net charge-offs | 0.00% (stronger) | 0.74% |
| Return on assets | 2.53% (stronger) | 0.16% |
| Loans ÷ deposits | 77.3% | 37.7% (stronger) |
| Uninsured deposits | 14.2% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | — |
Town & Country Bank has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Town & Country Bank leads on 4 and South Central Missouri Credit Union on 3. 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.