Side-by-side · Q2 2026 data
First Community Bank and Trust vs Elite Community Credit Union
Credit union
Elite Community Credit Union
Bourbonnais, Illinois · Under $100 million in assets
Metric by metric
| Measure | First Community Bank and Trust | Elite Community Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 63 |
| Capital cushion | 85 (stronger) | 38 |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 84 (stronger) | 40 |
| Funding & liquidity | 97 | 98 (stronger) |
| Problem-loan coverage | 87 | 91 (stronger) |
| Peer percentile | 96th | 26th |
| Total assets | $201.7M | $26.5M |
| Deposits / shares | $170.8M | $24.1M |
| Capital ratio | 13.47% (stronger) | 8.77% |
| Problem loans | 0.00% (stronger) | 0.58% |
| Net charge-offs | -0.21% (stronger) | 0.73% |
| Return on assets | 1.61% (stronger) | 0.49% |
| Loans ÷ deposits | 54.3% (stronger) | 62.0% |
| Uninsured deposits | 18.0% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank and Trust has the higher TellerScore (91 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank and Trust leads on 6 and Elite Community Credit Union on 1. 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.