Side-by-side · Q2 2026 data
First Mid Bank & Trust, National Association vs Area Educational Credit Union
Credit union
Area Educational Credit Union
Mattoon, Illinois · Under $100 million in assets
Metric by metric
| Measure | First Mid Bank & Trust, National Association | Area Educational Credit Union |
|---|---|---|
| TellerScore | 70 | 87 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 81 (stronger) | 69 |
| Earnings | 64 | 74 (stronger) |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 58th | 83rd |
| Total assets | $9.1B | $33.7M |
| Deposits / shares | $7.6B | $26.8M |
| Capital ratio | 10.70% | 20.35% (stronger) |
| Problem loans | 0.58% (stronger) | 0.92% |
| Net charge-offs | 0.08% (stronger) | 0.33% |
| Return on assets | 1.10% | 1.34% (stronger) |
| Loans ÷ deposits | 89.7% | 45.7% (stronger) |
| Uninsured deposits | 17.1% | 1.0% (stronger) |
| Offices | 85 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | — |
Area Educational Credit Union has the higher TellerScore (87 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Mid Bank & Trust, National Association leads on 2 and Area Educational Credit Union on 5. 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.