Side-by-side · Q2 2026 data
1st Midamerica Credit Union vs State Employees Community Credit Union
Credit union
State Employees Community Credit Union
Alton, Illinois · Under $100 million in assets
Metric by metric
| Measure | 1st Midamerica Credit Union | State Employees Community Credit Union |
|---|---|---|
| TellerScore | 64 | 89 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 33 | 100 (stronger) |
| Earnings | 69 (stronger) | 49 |
| Funding & liquidity | 61 | 93 (stronger) |
| Problem-loan coverage | 74 | 100 (stronger) |
| Peer percentile | 36th | 87th |
| Total assets | $1.0B | $6.7M |
| Deposits / shares | $868.2M | $5.3M |
| Capital ratio | 13.33% | 20.02% (stronger) |
| Problem loans | 2.01% | 0.00% (stronger) |
| Net charge-offs | 0.26% (stronger) | 0.38% |
| Return on assets | 1.22% (stronger) | 0.73% |
| Loans ÷ deposits | 98.9% | 67.5% (stronger) |
| Uninsured deposits | 7.3% | 1.2% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | — |
State Employees Community Credit Union has the higher TellerScore (89 vs 64). On the 7 directional measures above (where higher or lower is clearly better), 1st Midamerica Credit Union leads on 2 and State Employees Community Credit Union on 5. 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.