Side-by-side · Q2 2026 data
First State Bank of Beecher City vs Effingham Highway Credit Union
Credit union
Effingham Highway Credit Union
Effingham, Illinois · Under $100 million in assets
Metric by metric
| Measure | First State Bank of Beecher City | Effingham Highway Credit Union |
|---|---|---|
| TellerScore | 88 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 73 | 100 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 71 (stronger) | 57 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 92nd | 95th |
| Total assets | $112.2M | $5.9M |
| Deposits / shares | $93.7M | $4.7M |
| Capital ratio | 15.98% | 19.83% (stronger) |
| Problem loans | 0.81% | 0.00% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.68% |
| Return on assets | 2.72% (stronger) | 2.22% |
| Loans ÷ deposits | 87.9% (stronger) | 102.8% |
| Uninsured deposits | 16.2% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Effingham Highway Credit Union has the higher TellerScore (94 vs 88). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Beecher City leads on 3 and Effingham Highway 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.