Side-by-side · Q2 2026 data
Germantown Trust & Savings Bank vs Kaskaskia Valley Community Credit Union
Credit union
Kaskaskia Valley Community Credit Union
Centralia, Illinois · Under $100 million in assets
Metric by metric
| Measure | Germantown Trust & Savings Bank | Kaskaskia Valley Community Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 49 |
| Capital cushion | 66 (stronger) | 29 |
| Loan quality | 96 (stronger) | 62 |
| Earnings | 100 (stronger) | 13 |
| Funding & liquidity | 92 | 94 (stronger) |
| Problem-loan coverage | 98 (stronger) | 83 |
| Peer percentile | 91st | 8th |
| Total assets | $523.6M | $29.4M |
| Deposits / shares | $433.2M | $26.6M |
| Capital ratio | 11.58% (stronger) | 7.91% |
| Problem loans | 0.13% (stronger) | 1.13% |
| Net charge-offs | 0.00% (stronger) | 0.51% |
| Return on assets | 2.25% (stronger) | -0.18% |
| Loans ÷ deposits | 65.5% (stronger) | 66.5% |
| Uninsured deposits | 17.3% | 0.0% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | — |
Germantown Trust & Savings Bank has the higher TellerScore (87 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Germantown Trust & Savings Bank leads on 6 and Kaskaskia Valley Community Credit Union on 1. 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.