Side-by-side · Q2 2026 data
First Community Bank of Moultrie County vs Area Educational Credit Union
Credit union
Area Educational Credit Union
Mattoon, Illinois · Under $100 million in assets
Metric by metric
| Measure | First Community Bank of Moultrie County | Area Educational Credit Union |
|---|---|---|
| TellerScore | 74 | 87 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 97 (stronger) | 69 |
| Earnings | 70 | 74 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 57th | 83rd |
| Total assets | $119.7M | $33.7M |
| Deposits / shares | $109.7M | $26.8M |
| Capital ratio | 9.13% | 20.35% (stronger) |
| Problem loans | 0.10% (stronger) | 0.92% |
| Net charge-offs | 0.02% (stronger) | 0.33% |
| Return on assets | 1.24% | 1.34% (stronger) |
| Loans ÷ deposits | 47.9% | 45.7% (stronger) |
| Uninsured deposits | 24.4% | 1.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Area Educational Credit Union has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank of Moultrie County leads on 2 and Area Educational Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.