Side-by-side · Q2 2026 data
First National Bank & Trust Company vs I.B.E.W. Local #146 Credit Union
Credit union
I.B.E.W. Local #146 Credit Union
Decatur, Illinois · Under $100 million in assets
Metric by metric
| Measure | First National Bank & Trust Company | I.B.E.W. Local #146 Credit Union |
|---|---|---|
| TellerScore | 53 | 94 (stronger) |
| Capital cushion | 28 | 85 (stronger) |
| Loan quality | 71 | 100 (stronger) |
| Earnings | 40 | 93 (stronger) |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 46 | 100 (stronger) |
| Peer percentile | 9th | 95th |
| Total assets | $388.1M | $5.0M |
| Deposits / shares | $364.9M | $4.3M |
| Capital ratio | 7.79% | 13.51% (stronger) |
| Problem loans | 0.88% | 0.00% (stronger) |
| Net charge-offs | 0.11% | 0.00% (stronger) |
| Return on assets | 0.49% | 1.81% (stronger) |
| Loans ÷ deposits | 42.7% | 41.2% (stronger) |
| Uninsured deposits | 21.1% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
I.B.E.W. Local #146 Credit Union has the higher TellerScore (94 vs 53). On the 7 directional measures above (where higher or lower is clearly better), First National Bank & Trust Company leads on 0 and I.B.E.W. Local #146 Credit Union on 7. 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.