Side-by-side · Q2 2026 data
Central Bank Illinois vs Union Federal Savings and Loan Association
Metric by metric
| Measure | Central Bank Illinois | Union Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 55 | 77 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 38 | 83 (stronger) |
| Earnings | 59 (stronger) | 30 |
| Funding & liquidity | 71 (stronger) | 69 |
| Problem-loan coverage | 72 | 95 (stronger) |
| Peer percentile | 13th | 68th |
| Total assets | $1.5B | $145.6M |
| Deposits / shares | $1.1B | $121.0M |
| Capital ratio | 10.39% | 16.53% (stronger) |
| Problem loans | 1.85% | 0.51% (stronger) |
| Net charge-offs | 0.75% | 0.32% (stronger) |
| Return on assets | 0.98% (stronger) | 0.25% |
| Loans ÷ deposits | 89.3% (stronger) | 90.8% |
| Uninsured deposits | 9.9% | 3.5% (stronger) |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.1% | — |
Union Federal Savings and Loan Association has the higher TellerScore (77 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Central Bank Illinois leads on 2 and Union Federal Savings and Loan Association 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.
Where both have branches
- Geneseo, IL