Side-by-side · Q2 2026 data
First Central State Bank vs I. H. Mississippi Valley Credit Union
Credit union
I. H. Mississippi Valley Credit Union
Moline, Illinois · $1 billion – $10 billion
Metric by metric
| Measure | First Central State Bank | I. H. Mississippi Valley Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 61 |
| Capital cushion | 84 (stronger) | 41 |
| Loan quality | 93 (stronger) | 71 |
| Earnings | 77 (stronger) | 65 |
| Funding & liquidity | 65 | 67 (stronger) |
| Problem-loan coverage | 97 (stronger) | 83 |
| Peer percentile | 84th | 27th |
| Total assets | $772.4M | $2.3B |
| Deposits / shares | $595.4M | $2.0B |
| Capital ratio | 13.39% (stronger) | 9.12% |
| Problem loans | 0.21% (stronger) | 0.86% |
| Net charge-offs | 0.01% (stronger) | 1.04% |
| Return on assets | 1.43% (stronger) | 1.11% |
| Loans ÷ deposits | 82.4% (stronger) | 93.5% |
| Uninsured deposits | 26.7% | 9.0% (stronger) |
| Offices | 6 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 14.5% |
First Central State Bank has the higher TellerScore (83 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First Central State Bank leads on 6 and I. H. Mississippi Valley Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.