Side-by-side · Q2 2026 data
Crystal Lake Bank and Trust Company, National Association vs A.A.E.C. Credit Union
Bank
Crystal Lake Bank and Trust Company, National Association
Crystal Lake, Illinois · $1 billion – $10 billion
Metric by metric
| Measure | Crystal Lake Bank and Trust Company, National Association | A.A.E.C. Credit Union |
|---|---|---|
| TellerScore | 70 | 84 (stronger) |
| Capital cushion | 47 | 80 (stronger) |
| Loan quality | 89 | 99 (stronger) |
| Earnings | 82 (stronger) | 49 |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 58th | 86th |
| Total assets | $2.3B | $118.9M |
| Deposits / shares | $1.9B | $102.3M |
| Capital ratio | 9.65% | 13.03% (stronger) |
| Problem loans | 0.34% | 0.02% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.20% |
| Return on assets | 1.54% (stronger) | 0.72% |
| Loans ÷ deposits | 93.2% | 50.0% (stronger) |
| Uninsured deposits | 29.7% | 4.8% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
A.A.E.C. Credit Union has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Crystal Lake Bank and Trust Company, National Association leads on 2 and A.A.E.C. Credit Union on 5. 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.