Side-by-side · Q2 2026 data
First Trust Bank of Illinois vs Commonwealth Credit Union
Metric by metric
| Measure | First Trust Bank of Illinois | Commonwealth Credit Union |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 53 | 82 (stronger) |
| Loan quality | 76 | 86 (stronger) |
| Earnings | 62 | 74 (stronger) |
| Funding & liquidity | 94 (stronger) | 85 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 47th | 83rd |
| Total assets | $406.3M | $128.1M |
| Deposits / shares | $324.4M | $111.0M |
| Capital ratio | 10.26% | 13.23% (stronger) |
| Problem loans | 0.71% | 0.43% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.21% |
| Return on assets | 1.05% | 1.36% (stronger) |
| Loans ÷ deposits | 44.2% (stronger) | 74.8% |
| Uninsured deposits | 21.0% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | — |
Commonwealth Credit Union has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Trust Bank of Illinois leads on 2 and Commonwealth Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.