Side-by-side · Q2 2026 data
West Plains Bank and Trust Company 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 | West Plains Bank and Trust Company | South Central Missouri Credit Union |
|---|---|---|
| TellerScore | 70 | 71 (stronger) |
| Capital cushion | 33 | 100 (stronger) |
| Loan quality | 85 (stronger) | 45 |
| Earnings | 89 (stronger) | 27 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 43rd | 42nd |
| Total assets | $767.9M | $9.2M |
| Deposits / shares | $702.5M | $7.7M |
| Capital ratio | 8.32% | 15.81% (stronger) |
| Problem loans | 0.45% (stronger) | 1.66% |
| Net charge-offs | 0.02% (stronger) | 0.74% |
| Return on assets | 1.73% (stronger) | 0.16% |
| Loans ÷ deposits | 75.4% | 37.7% (stronger) |
| Uninsured deposits | 23.0% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Central Missouri Credit Union has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), West Plains Bank and Trust Company leads on 3 and South Central Missouri 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.
Where both have branches
- Willow Springs, MO