Side-by-side · Q2 2026 data
Community State Bank of Rock Falls vs 1st Gateway Credit Union
Metric by metric
| Measure | Community State Bank of Rock Falls | 1st Gateway Credit Union |
|---|---|---|
| TellerScore | 49 | 80 (stronger) |
| Capital cushion | 70 | 91 (stronger) |
| Loan quality | 0 | 88 (stronger) |
| Earnings | 54 | 54 |
| Funding & liquidity | 84 (stronger) | 72 |
| Problem-loan coverage | 44 | 95 (stronger) |
| Peer percentile | 6th | 78th |
| Total assets | $318.4M | $170.9M |
| Deposits / shares | $280.6M | $146.9M |
| Capital ratio | 12.00% | 14.08% (stronger) |
| Problem loans | 4.67% | 0.35% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.24% |
| Return on assets | 0.86% (stronger) | 0.84% |
| Loans ÷ deposits | 75.8% (stronger) | 88.3% |
| Uninsured deposits | 15.6% | 3.1% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
1st Gateway Credit Union has the higher TellerScore (80 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank of Rock Falls leads on 3 and 1st Gateway Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fulton, IL
- Sterling, IL