Side-by-side · Q2 2026 data
Exchange State Bank vs Select Employees Credit Union
Credit union
Select Employees Credit Union
Sterling, Illinois · Under $100 million in assets
Metric by metric
| Measure | Exchange State Bank | Select Employees Credit Union |
|---|---|---|
| TellerScore | 83 | 86 (stronger) |
| Capital cushion | 65 | 76 (stronger) |
| Loan quality | 98 (stronger) | 91 |
| Earnings | 81 | 82 (stronger) |
| Funding & liquidity | 87 | 92 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 84th | 80th |
| Total assets | $112.7M | $78.6M |
| Deposits / shares | $98.6M | $68.4M |
| Capital ratio | 11.47% | 12.63% (stronger) |
| Problem loans | 0.05% (stronger) | 0.26% |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 1.54% | 1.55% (stronger) |
| Loans ÷ deposits | 62.2% (stronger) | 68.2% |
| Uninsured deposits | 25.0% | 3.9% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Select Employees Credit Union has the higher TellerScore (86 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Exchange State Bank leads on 3 and Select Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.