Side-by-side · Q2 2026 data
F&M Bank and Trust Company vs Western Illinois School Employees Credit Union
Credit union
Western Illinois School Employees Credit Union
Quincy, Illinois · Under $100 million in assets
Metric by metric
| Measure | F&M Bank and Trust Company | Western Illinois School Employees Credit Union |
|---|---|---|
| TellerScore | 66 | 83 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 72 | 94 (stronger) |
| Earnings | 56 (stronger) | 38 |
| Funding & liquidity | 85 (stronger) | 78 |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 31st | 72nd |
| Total assets | $182.4M | $24.0M |
| Deposits / shares | $164.3M | $20.0M |
| Capital ratio | 10.20% | 16.08% (stronger) |
| Problem loans | 0.85% | 0.17% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.08% |
| Return on assets | 0.90% (stronger) | 0.45% |
| Loans ÷ deposits | 75.0% (stronger) | 82.7% |
| Uninsured deposits | 14.2% | 0.0% (stronger) |
| Offices | 3 | 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 66). On the 7 directional measures above (where higher or lower is clearly better), F&M Bank and Trust Company leads on 3 and Western Illinois School Employees Credit Union on 4. 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.