Side-by-side · Q2 2026 data
First State Bank and Trust vs Clifford-Jacobs Employees Credit Union
Credit union
Clifford-Jacobs Employees Credit Union
Champaign, Illinois · Under $100 million in assets
Metric by metric
| Measure | First State Bank and Trust | Clifford-Jacobs Employees Credit Union |
|---|---|---|
| TellerScore | 73 | 86 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 85 | 95 (stronger) |
| Earnings | 86 (stronger) | 74 |
| Funding & liquidity | 85 (stronger) | 50 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 53rd | 80th |
| Total assets | $509.6M | $1.2M |
| Deposits / shares | $464.3M | $519K |
| Capital ratio | 9.25% | 55.54% (stronger) |
| Problem loans | 0.44% | 0.16% (stronger) |
| Net charge-offs | 0.01% | -0.26% (stronger) |
| Return on assets | 1.65% (stronger) | 1.36% |
| Loans ÷ deposits | 42.7% (stronger) | 140.4% |
| Uninsured deposits | 29.2% | 0.0% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | — |
Clifford-Jacobs Employees Credit Union has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust leads on 2 and Clifford-Jacobs Employees 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.