Side-by-side · Q2 2026 data
For Members Only Federal Credit Union vs Effingham Highway Credit Union
Credit union
For Members Only Federal Credit Union
Chicago, Illinois · Under $100 million in assets
Credit union
Effingham Highway Credit Union
Effingham, Illinois · Under $100 million in assets
Metric by metric
| Measure | For Members Only Federal Credit Union | Effingham Highway Credit Union |
|---|---|---|
| TellerScore | 77 | 94 (stronger) |
| Capital cushion | 98 | 100 (stronger) |
| Loan quality | — | 100 |
| Earnings | 39 | 100 (stronger) |
| Funding & liquidity | 71 (stronger) | 57 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 57th | 95th |
| Total assets | $6.3M | $5.9M |
| Deposits / shares | $5.4M | $4.7M |
| Capital ratio | 14.84% | 19.83% (stronger) |
| Problem loans | — | 0.00% |
| Net charge-offs | — | 0.68% |
| Return on assets | 0.47% | 2.22% (stronger) |
| Loans ÷ deposits | 0.0% (stronger) | 102.8% |
| Uninsured deposits | 41.8% | 0.0% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Effingham Highway Credit Union has the higher TellerScore (94 vs 77). On the 5 directional measures above (where higher or lower is clearly better), For Members Only Federal Credit Union leads on 1 and Effingham Highway Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.