Side-by-side · Q2 2026 data
Farmers State Bank 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 | Farmers State Bank | Western Illinois School Employees Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 83 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 | 94 (stronger) |
| Earnings | 76 (stronger) | 38 |
| Funding & liquidity | 67 | 78 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 92nd | 72nd |
| Total assets | $339.8M | $24.0M |
| Deposits / shares | $285.8M | $20.0M |
| Capital ratio | 15.02% | 16.08% (stronger) |
| Problem loans | 0.23% | 0.17% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.08% |
| Return on assets | 1.40% (stronger) | 0.45% |
| Loans ÷ deposits | 89.0% | 82.7% (stronger) |
| Uninsured deposits | 19.2% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
Farmers State Bank has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank 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.