Side-by-side · Q2 2026 data
Community State Bank of Rock Falls vs Select Employees Credit Union
Credit union
Select Employees Credit Union
Sterling, Illinois · Under $100 million in assets
Metric by metric
| Measure | Community State Bank of Rock Falls | Select Employees Credit Union |
|---|---|---|
| TellerScore | 49 | 86 (stronger) |
| Capital cushion | 70 | 76 (stronger) |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 54 | 82 (stronger) |
| Funding & liquidity | 84 | 92 (stronger) |
| Problem-loan coverage | 44 | 98 (stronger) |
| Peer percentile | 6th | 80th |
| Total assets | $318.4M | $78.6M |
| Deposits / shares | $280.6M | $68.4M |
| Capital ratio | 12.00% | 12.63% (stronger) |
| Problem loans | 4.67% | 0.26% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.13% |
| Return on assets | 0.86% | 1.55% (stronger) |
| Loans ÷ deposits | 75.8% | 68.2% (stronger) |
| Uninsured deposits | 15.6% | 3.9% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Select Employees Credit Union has the higher TellerScore (86 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank of Rock Falls leads on 1 and Select Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.