Side-by-side · Q2 2026 data
United Southern Bank vs Ocala Community Credit Union
Metric by metric
| Measure | United Southern Bank | Ocala Community Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 51 |
| Capital cushion | 58 (stronger) | 51 |
| Loan quality | 85 (stronger) | 14 |
| Earnings | 69 (stronger) | 43 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 94 (stronger) | 85 |
| Peer percentile | 64th | 10th |
| Total assets | $843.0M | $49.3M |
| Deposits / shares | $769.1M | $43.9M |
| Capital ratio | 10.77% (stronger) | 10.13% |
| Problem loans | 0.44% (stronger) | 2.57% |
| Net charge-offs | 0.02% (stronger) | 1.19% |
| Return on assets | 1.23% (stronger) | 0.57% |
| Loans ÷ deposits | 59.9% | 33.7% (stronger) |
| Uninsured deposits | 20.3% | 2.3% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Southern Bank has the higher TellerScore (76 vs 51). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 5 and Ocala Community Credit Union on 2. 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.