Side-by-side · Q2 2026 data
Community First Credit Union vs Western Illinois School Employees Credit Union
Credit union
Western Illinois School Employees Credit Union
Quincy, Illinois · Under $100 million in assets
Metric by metric
| Measure | Community First Credit Union | Western Illinois School Employees Credit Union |
|---|---|---|
| TellerScore | 65 | 83 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 91 | 94 (stronger) |
| Earnings | 14 | 38 (stronger) |
| Funding & liquidity | 71 | 78 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 30th | 72nd |
| Total assets | $8.5M | $24.0M |
| Deposits / shares | $7.4M | $20.0M |
| Capital ratio | 11.52% | 16.08% (stronger) |
| Problem loans | 0.26% | 0.17% (stronger) |
| Net charge-offs | 1.56% | 0.08% (stronger) |
| Return on assets | -0.14% | 0.45% (stronger) |
| Loans ÷ deposits | 89.4% | 82.7% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Western Illinois School Employees Credit Union has the higher TellerScore (83 vs 65). On the 6 directional measures above (where higher or lower is clearly better), Community First Credit Union leads on 0 and Western Illinois School Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.