Side-by-side · Q2 2026 data
Clifford-Jacobs Employees Credit Union vs Urbana Municipal Employees Credit Union
Credit union
Clifford-Jacobs Employees Credit Union
Champaign, Illinois · Under $100 million in assets
Credit union
Urbana Municipal Employees Credit Union
Urbana, Illinois · Under $100 million in assets
Metric by metric
| Measure | Clifford-Jacobs Employees Credit Union | Urbana Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 66 |
| Capital cushion | 100 | 100 |
| Loan quality | 95 (stronger) | 0 |
| Earnings | 74 | 86 (stronger) |
| Funding & liquidity | 50 | 79 (stronger) |
| Problem-loan coverage | 100 (stronger) | 74 |
| Peer percentile | 80th | 32nd |
| Total assets | $1.2M | $4.9M |
| Deposits / shares | $519K | $4.2M |
| Capital ratio | 55.54% (stronger) | 15.30% |
| Problem loans | 0.16% (stronger) | 3.18% |
| Net charge-offs | -0.26% (stronger) | 0.16% |
| Return on assets | 1.36% | 1.66% (stronger) |
| Loans ÷ deposits | 140.4% | 81.4% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Clifford-Jacobs Employees Credit Union has the higher TellerScore (86 vs 66). On the 6 directional measures above (where higher or lower is clearly better), Clifford-Jacobs Employees Credit Union leads on 4 and Urbana Municipal Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.