Side-by-side · Q2 2026 data
Elite Community Credit Union vs Western Illinois School Employees Credit Union
Credit union
Elite Community Credit Union
Bourbonnais, Illinois · Under $100 million in assets
Credit union
Western Illinois School Employees Credit Union
Quincy, Illinois · Under $100 million in assets
Metric by metric
| Measure | Elite Community Credit Union | Western Illinois School Employees Credit Union |
|---|---|---|
| TellerScore | 63 | 83 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 81 | 94 (stronger) |
| Earnings | 40 (stronger) | 38 |
| Funding & liquidity | 98 (stronger) | 78 |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 26th | 72nd |
| Total assets | $26.5M | $24.0M |
| Deposits / shares | $24.1M | $20.0M |
| Capital ratio | 8.77% | 16.08% (stronger) |
| Problem loans | 0.58% | 0.17% (stronger) |
| Net charge-offs | 0.73% | 0.08% (stronger) |
| Return on assets | 0.49% (stronger) | 0.45% |
| Loans ÷ deposits | 62.0% (stronger) | 82.7% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 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 63). On the 6 directional measures above (where higher or lower is clearly better), Elite Community Credit Union leads on 2 and Western Illinois School Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.