Side-by-side · Q2 2026 data
First State Bank and Trust vs Decatur Policemen Credit Union
Credit union
Decatur Policemen Credit Union
Decatur, Illinois · Under $100 million in assets
Metric by metric
| Measure | First State Bank and Trust | Decatur Policemen Credit Union |
|---|---|---|
| TellerScore | 73 | 85 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 85 | 85 |
| Earnings | 86 (stronger) | 72 |
| Funding & liquidity | 85 (stronger) | 68 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 53rd | 77th |
| Total assets | $509.6M | $5.3M |
| Deposits / shares | $464.3M | $4.5M |
| Capital ratio | 9.25% | 14.99% (stronger) |
| Problem loans | 0.44% (stronger) | 0.44% |
| Net charge-offs | 0.01% (stronger) | 0.58% |
| Return on assets | 1.65% (stronger) | 1.29% |
| Loans ÷ deposits | 42.7% (stronger) | 92.2% |
| Uninsured deposits | 29.2% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | — |
Decatur Policemen Credit Union has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust leads on 4 and Decatur Policemen Credit Union on 3. 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.