Side-by-side · Q2 2026 data
First State Bank of St. Charles, Missouri vs State Employees Community Credit Union
Bank
First State Bank of St. Charles, Missouri
St. Charles, Missouri · $100 million – $1 billion
Credit union
State Employees Community Credit Union
Alton, Illinois · Under $100 million in assets
Metric by metric
| Measure | First State Bank of St. Charles, Missouri | State Employees Community Credit Union |
|---|---|---|
| TellerScore | 85 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 87 (stronger) | 49 |
| Funding & liquidity | 43 | 93 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 88th | 87th |
| Total assets | $535.2M | $6.7M |
| Deposits / shares | $400.8M | $5.3M |
| Capital ratio | 15.65% | 20.02% (stronger) |
| Problem loans | 0.40% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.38% |
| Return on assets | 1.67% (stronger) | 0.73% |
| Loans ÷ deposits | 106.1% | 67.5% (stronger) |
| Uninsured deposits | 25.3% | 1.2% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Employees Community Credit Union has the higher TellerScore (89 vs 85). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of St. Charles, Missouri leads on 2 and State Employees Community 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.