Side-by-side · Q2 2026 data
First State Bank of Campbell Hill vs Carbondale Highway Credit Union
Credit union
Carbondale Highway Credit Union
Carbondale, Illinois · Under $100 million in assets
Metric by metric
| Measure | First State Bank of Campbell Hill | Carbondale Highway Credit Union |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 47 | 100 (stronger) |
| Earnings | 85 (stronger) | 51 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 64th | 89th |
| Total assets | $160.1M | $5.6M |
| Deposits / shares | $136.8M | $4.7M |
| Capital ratio | 13.82% | 15.59% (stronger) |
| Problem loans | 1.59% | 0.00% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.40% |
| Return on assets | 1.62% (stronger) | 0.76% |
| Loans ÷ deposits | 77.5% | 56.4% (stronger) |
| Uninsured deposits | 14.8% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Carbondale Highway Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Campbell Hill leads on 2 and Carbondale Highway 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.