Side-by-side · Q2 2026 data
First Community Bank, Xenia-Flora vs Salem School System Credit Union
Credit union
Salem School System Credit Union
Salem, Illinois · Under $100 million in assets
Metric by metric
| Measure | First Community Bank, Xenia-Flora | Salem School System Credit Union |
|---|---|---|
| TellerScore | 86 | 87 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 90 (stronger) | 68 |
| Funding & liquidity | 96 (stronger) | 56 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 81st | 83rd |
| Total assets | $55.5M | $2.2M |
| Deposits / shares | $47.3M | $1.5M |
| Capital ratio | 12.03% | 30.85% (stronger) |
| Problem loans | 0.22% | 0.00% (stronger) |
| Net charge-offs | -0.04% (stronger) | 1.92% |
| Return on assets | 1.76% (stronger) | 1.19% |
| Loans ÷ deposits | 64.6% (stronger) | 104.5% |
| Uninsured deposits | 11.9% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Salem School System Credit Union has the higher TellerScore (87 vs 86). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank, Xenia-Flora leads on 3 and Salem School System Credit Union on 4. 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.