Side-by-side · Q2 2026 data
Citizens Bank of Edinburg vs I.B.E.W. Local #146 Credit Union
Credit union
I.B.E.W. Local #146 Credit Union
Decatur, Illinois · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank of Edinburg | I.B.E.W. Local #146 Credit Union |
|---|---|---|
| TellerScore | 79 | 94 (stronger) |
| Capital cushion | 69 | 85 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 58 | 93 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 63rd | 95th |
| Total assets | $29.0M | $5.0M |
| Deposits / shares | $25.4M | $4.3M |
| Capital ratio | 11.93% | 13.51% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.95% | 1.81% (stronger) |
| Loans ÷ deposits | 32.7% (stronger) | 41.2% |
| Uninsured deposits | 32.5% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
I.B.E.W. Local #146 Credit Union has the higher TellerScore (94 vs 79). On the 5 directional measures above (where higher or lower is clearly better), Citizens Bank of Edinburg leads on 1 and I.B.E.W. Local #146 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.