Side-by-side · Q2 2026 data
Generations Credit Union vs Western Illinois School Employees Credit Union
Credit union
Western Illinois School Employees Credit Union
Quincy, Illinois · Under $100 million in assets
Metric by metric
| Measure | Generations Credit Union | Western Illinois School Employees Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 83 |
| Capital cushion | 100 | 100 |
| Loan quality | 97 (stronger) | 94 |
| Earnings | 57 (stronger) | 38 |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 90th | 72nd |
| Total assets | $22.4M | $24.0M |
| Deposits / shares | $18.5M | $20.0M |
| Capital ratio | 16.38% (stronger) | 16.08% |
| Problem loans | 0.10% (stronger) | 0.17% |
| Net charge-offs | 0.21% | 0.08% (stronger) |
| Return on assets | 0.92% (stronger) | 0.45% |
| Loans ÷ deposits | 52.7% (stronger) | 82.7% |
| Uninsured deposits | 0.1% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Generations Credit Union has the higher TellerScore (91 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Generations Credit Union leads on 5 and Western Illinois School Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.