Side-by-side · Q2 2026 data
Fowler State Bank vs Education Personnel Federal Credit Union
Credit union
Education Personnel Federal Credit Union
Danville, Illinois · Under $100 million in assets
Metric by metric
| Measure | Fowler State Bank | Education Personnel Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 80 | 80 |
| Earnings | 68 (stronger) | 50 |
| Funding & liquidity | 48 | 100 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 77th | 54th |
| Total assets | $190.3M | $74.3M |
| Deposits / shares | $149.3M | $65.6M |
| Capital ratio | 15.51% (stronger) | 12.26% |
| Problem loans | 0.61% | 0.60% (stronger) |
| Net charge-offs | 0.65% | 0.06% (stronger) |
| Return on assets | 1.19% (stronger) | 0.75% |
| Loans ÷ deposits | 85.0% | 50.7% (stronger) |
| Uninsured deposits | 39.8% | 2.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fowler State Bank has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Fowler State Bank leads on 3 and Education Personnel Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.