Side-by-side · Q2 2026 data
First State Bank Shannon-Polo vs Blackhawk Area Credit Union
Metric by metric
| Measure | First State Bank Shannon-Polo | Blackhawk Area Credit Union |
|---|---|---|
| TellerScore | 51 | 79 (stronger) |
| Capital cushion | 53 | 84 (stronger) |
| Loan quality | 12 | 96 (stronger) |
| Earnings | 58 (stronger) | 45 |
| Funding & liquidity | 93 (stronger) | 71 |
| Problem-loan coverage | 67 | 98 (stronger) |
| Peer percentile | 8th | 62nd |
| Total assets | $190.5M | $39.1M |
| Deposits / shares | $167.1M | $34.5M |
| Capital ratio | 10.31% | 13.41% (stronger) |
| Problem loans | 2.64% | 0.13% (stronger) |
| Net charge-offs | 0.53% | 0.09% (stronger) |
| Return on assets | 0.94% (stronger) | 0.62% |
| Loans ÷ deposits | 64.6% (stronger) | 89.3% |
| Uninsured deposits | 17.7% | 0.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Blackhawk Area Credit Union has the higher TellerScore (79 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Shannon-Polo leads on 2 and Blackhawk Area Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Polo, IL