Side-by-side · Q2 2026 data
Area Educational Credit Union vs Service Plus Credit Union
Credit union
Area Educational Credit Union
Mattoon, Illinois · Under $100 million in assets
Metric by metric
| Measure | Area Educational Credit Union | Service Plus Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 69 | 85 (stronger) |
| Earnings | 74 (stronger) | 65 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 83rd | 68th |
| Total assets | $33.7M | $34.7M |
| Deposits / shares | $26.8M | $30.4M |
| Capital ratio | 20.35% (stronger) | 12.29% |
| Problem loans | 0.92% | 0.46% (stronger) |
| Net charge-offs | 0.33% (stronger) | 0.55% |
| Return on assets | 1.34% (stronger) | 1.12% |
| Loans ÷ deposits | 45.7% (stronger) | 59.5% |
| Uninsured deposits | 1.0% (stronger) | 2.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Area Educational Credit Union has the higher TellerScore (87 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Area Educational Credit Union leads on 6 and Service Plus Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.