Side-by-side · Q2 2026 data
Country Trust Bank vs Normal City Employees Federal Credit Union
Credit union
Normal City Employees Federal Credit Union
Normal, Illinois · Under $100 million in assets
Metric by metric
| Measure | Country Trust Bank | Normal City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 49 |
| Funding & liquidity | 50 | 90 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 94th | 62nd |
| Total assets | $42.3M | $4.5M |
| Deposits / shares | $798K | $4.0M |
| Capital ratio | 78.65% (stronger) | 11.82% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | -0.22% (stronger) |
| Return on assets | 24.72% (stronger) | 0.72% |
| Loans ÷ deposits | 0.0% (stronger) | 70.7% |
| Uninsured deposits | 68.7% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Country Trust Bank has the higher TellerScore (93 vs 79). On the 6 directional measures above (where higher or lower is clearly better), Country Trust Bank leads on 4 and Normal City Employees Federal Credit Union on 2. 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.