Side-by-side · Q2 2026 data
Farmers State Bank of Western Illinois vs Union Federal Savings and Loan Association
Metric by metric
| Measure | Farmers State Bank of Western Illinois | Union Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 74 | 77 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 42 | 83 (stronger) |
| Earnings | 68 (stronger) | 30 |
| Funding & liquidity | 94 (stronger) | 69 |
| Problem-loan coverage | 88 | 95 (stronger) |
| Peer percentile | 57th | 68th |
| Total assets | $167.3M | $145.6M |
| Deposits / shares | $143.4M | $121.0M |
| Capital ratio | 14.08% | 16.53% (stronger) |
| Problem loans | 1.74% | 0.51% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.32% |
| Return on assets | 1.19% (stronger) | 0.25% |
| Loans ÷ deposits | 51.0% (stronger) | 90.8% |
| Uninsured deposits | 20.7% | 3.5% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union Federal Savings and Loan Association has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank of Western Illinois leads on 3 and Union Federal Savings and Loan Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.