Side-by-side · Q2 2026 data
1st Midamerica Credit Union vs Scott Credit Union
Metric by metric
| Measure | 1st Midamerica Credit Union | Scott Credit Union |
|---|---|---|
| TellerScore | 64 | 71 (stronger) |
| Capital cushion | 83 (stronger) | 51 |
| Loan quality | 33 | 82 (stronger) |
| Earnings | 69 (stronger) | 65 |
| Funding & liquidity | 61 | 83 (stronger) |
| Problem-loan coverage | 74 | 93 (stronger) |
| Peer percentile | 36th | 62nd |
| Total assets | $1.0B | $1.9B |
| Deposits / shares | $868.2M | $1.6B |
| Capital ratio | 13.33% (stronger) | 10.14% |
| Problem loans | 2.01% | 0.54% (stronger) |
| Net charge-offs | 0.26% (stronger) | 0.97% |
| Return on assets | 1.22% (stronger) | 1.14% |
| Loans ÷ deposits | 98.9% | 77.7% (stronger) |
| Uninsured deposits | 7.3% | 6.8% (stronger) |
| Offices | 9 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | 23.3% |
Scott Credit Union has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), 1st Midamerica Credit Union leads on 3 and Scott Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Troy, IL
- Wood River, IL