Side-by-side · Q2 2026 data
A.S.H. Employees Credit Union vs Effingham Highway Credit Union
Credit union
Effingham Highway Credit Union
Effingham, Illinois · Under $100 million in assets
Metric by metric
| Measure | A.S.H. Employees Credit Union | Effingham Highway Credit Union |
|---|---|---|
| TellerScore | 85 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 86 | 100 (stronger) |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 63 (stronger) | 57 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 77th | 95th |
| Total assets | $5.6M | $5.9M |
| Deposits / shares | $4.5M | $4.7M |
| Capital ratio | 19.83% | 19.83% |
| Problem loans | 0.43% | 0.00% (stronger) |
| Net charge-offs | -0.31% (stronger) | 0.68% |
| Return on assets | 1.30% | 2.22% (stronger) |
| Loans ÷ deposits | 97.4% (stronger) | 102.8% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Effingham Highway Credit Union has the higher TellerScore (94 vs 85). On the 5 directional measures above (where higher or lower is clearly better), A.S.H. Employees Credit Union leads on 2 and Effingham Highway Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.