Side-by-side · Q2 2026 data
BankChampaign, National Association vs Clifford-Jacobs Employees Credit Union
Credit union
Clifford-Jacobs Employees Credit Union
Champaign, Illinois · Under $100 million in assets
Metric by metric
| Measure | BankChampaign, National Association | Clifford-Jacobs Employees Credit Union |
|---|---|---|
| TellerScore | 84 | 86 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 100 (stronger) | 74 |
| Funding & liquidity | 60 (stronger) | 50 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 86th | 80th |
| Total assets | $242.8M | $1.2M |
| Deposits / shares | $193.3M | $519K |
| Capital ratio | 11.84% | 55.54% (stronger) |
| Problem loans | 0.00% (stronger) | 0.16% |
| Net charge-offs | 0.00% | -0.26% (stronger) |
| Return on assets | 2.14% (stronger) | 1.36% |
| Loans ÷ deposits | 100.2% (stronger) | 140.4% |
| Uninsured deposits | 12.5% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Clifford-Jacobs Employees Credit Union has the higher TellerScore (86 vs 84). On the 7 directional measures above (where higher or lower is clearly better), BankChampaign, National Association leads on 3 and Clifford-Jacobs Employees Credit Union on 4. 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.