Side-by-side · Q2 2026 data
Farmers State Bank of Alto Pass, Ill. vs Carbondale Highway Credit Union
Bank
Farmers State Bank of Alto Pass, Ill.
Alto Pass, Illinois · $100 million – $1 billion
Credit union
Carbondale Highway Credit Union
Carbondale, Illinois · Under $100 million in assets
Metric by metric
| Measure | Farmers State Bank of Alto Pass, Ill. | Carbondale Highway Credit Union |
|---|---|---|
| TellerScore | 53 | 90 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 16 | 100 (stronger) |
| Earnings | 100 (stronger) | 51 |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 59 | 100 (stronger) |
| Peer percentile | 9th | 89th |
| Total assets | $342.4M | $5.6M |
| Deposits / shares | $307.2M | $4.7M |
| Capital ratio | 9.51% | 15.59% (stronger) |
| Problem loans | 2.52% | 0.00% (stronger) |
| Net charge-offs | 0.44% | 0.40% (stronger) |
| Return on assets | 2.17% (stronger) | 0.76% |
| Loans ÷ deposits | 93.9% | 56.4% (stronger) |
| Uninsured deposits | 12.0% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Carbondale Highway Credit Union has the higher TellerScore (90 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank of Alto Pass, Ill. leads on 1 and Carbondale Highway Credit Union on 6. 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.