Side-by-side · Q2 2026 data
Wood & Huston 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 | Wood & Huston Bank | South Central Missouri Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 71 |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 95 (stronger) | 45 |
| Earnings | 100 (stronger) | 27 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 93rd | 42nd |
| Total assets | $1.2B | $9.2M |
| Deposits / shares | $1.1B | $7.7M |
| Capital ratio | 11.55% | 15.81% (stronger) |
| Problem loans | 0.14% (stronger) | 1.66% |
| Net charge-offs | 0.06% (stronger) | 0.74% |
| Return on assets | 2.08% (stronger) | 0.16% |
| Loans ÷ deposits | 90.9% | 37.7% (stronger) |
| Uninsured deposits | 27.9% | 0.0% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | — |
Wood & Huston Bank has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Wood & Huston 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.