Side-by-side · Q2 2026 data
Carbondale Highway Credit Union vs Effingham Highway Credit Union
Credit union
Carbondale Highway Credit Union
Carbondale, Illinois · Under $100 million in assets
Credit union
Effingham Highway Credit Union
Effingham, Illinois · Under $100 million in assets
Metric by metric
| Measure | Carbondale Highway Credit Union | Effingham Highway Credit Union |
|---|---|---|
| TellerScore | 90 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 51 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 57 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 89th | 95th |
| Total assets | $5.6M | $5.9M |
| Deposits / shares | $4.7M | $4.7M |
| Capital ratio | 15.59% | 19.83% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.40% (stronger) | 0.68% |
| Return on assets | 0.76% | 2.22% (stronger) |
| Loans ÷ deposits | 56.4% (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 90). On the 5 directional measures above (where higher or lower is clearly better), Carbondale Highway 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.