Side-by-side · Q2 2026 data
Clifford-Jacobs Employees Credit Union vs Central Illinois Credit Union
Credit union
Clifford-Jacobs Employees Credit Union
Champaign, Illinois · Under $100 million in assets
Metric by metric
| Measure | Clifford-Jacobs Employees Credit Union | Central Illinois Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 95 (stronger) | 38 |
| Earnings | 74 (stronger) | 70 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 80th | 38th |
| Total assets | $1.2M | $26.1M |
| Deposits / shares | $519K | $22.8M |
| Capital ratio | 55.54% (stronger) | 12.26% |
| Problem loans | 0.16% (stronger) | 1.85% |
| Net charge-offs | -0.26% (stronger) | 2.37% |
| Return on assets | 1.36% (stronger) | 1.25% |
| Loans ÷ deposits | 140.4% | 49.5% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.6% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Clifford-Jacobs Employees Credit Union has the higher TellerScore (86 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Clifford-Jacobs Employees Credit Union leads on 6 and Central Illinois Credit Union on 1. 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.