Side-by-side · Q2 2026 data
Flanagan State Bank vs Pontiac Dwight Prison Employs Credit Union
Credit union
Pontiac Dwight Prison Employs Credit Union
Pontiac, Illinois · Under $100 million in assets
Metric by metric
| Measure | Flanagan State Bank | Pontiac Dwight Prison Employs Credit Union |
|---|---|---|
| TellerScore | 67 | 81 (stronger) |
| Capital cushion | 46 | 58 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 34 | 66 (stronger) |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 34th | 68th |
| Total assets | $300.3M | $8.3M |
| Deposits / shares | $277.0M | $7.4M |
| Capital ratio | 9.59% | 10.81% (stronger) |
| Problem loans | 0.23% | 0.00% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 0.35% | 1.15% (stronger) |
| Loans ÷ deposits | 65.6% | 36.1% (stronger) |
| Uninsured deposits | 16.9% | 0.9% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.2% | — |
Pontiac Dwight Prison Employs Credit Union has the higher TellerScore (81 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Flanagan State Bank leads on 0 and Pontiac Dwight Prison Employs Credit Union on 7. 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.