Side-by-side · Q2 2026 data
Gale Credit Union vs Select Employees Credit Union
Credit union
Select Employees Credit Union
Sterling, Illinois · Under $100 million in assets
Metric by metric
| Measure | Gale Credit Union | Select Employees Credit Union |
|---|---|---|
| TellerScore | 73 | 86 (stronger) |
| Capital cushion | 56 | 76 (stronger) |
| Loan quality | 89 | 91 (stronger) |
| Earnings | 55 | 82 (stronger) |
| Funding & liquidity | 86 | 92 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 47th | 80th |
| Total assets | $73.7M | $78.6M |
| Deposits / shares | $65.7M | $68.4M |
| Capital ratio | 10.62% | 12.63% (stronger) |
| Problem loans | 0.33% | 0.26% (stronger) |
| Net charge-offs | 0.14% | 0.13% (stronger) |
| Return on assets | 0.88% | 1.55% (stronger) |
| Loans ÷ deposits | 74.1% | 68.2% (stronger) |
| Uninsured deposits | 3.3% (stronger) | 3.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Select Employees Credit Union has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Gale Credit Union leads on 1 and Select Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.