Side-by-side · Q2 2026 data
West Plains Savings and Loan Association vs South Central Missouri Credit Union
Bank
West Plains Savings and Loan Association
West Plains, Missouri · $100 million – $1 billion
Credit union
South Central Missouri Credit Union
Willow Springs, Missouri · Under $100 million in assets
Metric by metric
| Measure | West Plains Savings and Loan Association | South Central Missouri Credit Union |
|---|---|---|
| TellerScore | 55 | 71 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 45 (stronger) |
| Earnings | 43 (stronger) | 27 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 69 | 94 (stronger) |
| Peer percentile | 11th | 42nd |
| Total assets | $100.5M | $9.2M |
| Deposits / shares | $77.3M | $7.7M |
| Capital ratio | 21.11% (stronger) | 15.81% |
| Problem loans | 4.53% | 1.66% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.74% |
| Return on assets | 0.58% (stronger) | 0.16% |
| Loans ÷ deposits | 96.7% | 37.7% (stronger) |
| Uninsured deposits | 5.2% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Central Missouri Credit Union has the higher TellerScore (71 vs 55). On the 7 directional measures above (where higher or lower is clearly better), West Plains Savings and Loan Association 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.