Side-by-side · Q2 2026 data
Hickory Point Bank and Trust vs Decatur Policemen Credit Union
Credit union
Decatur Policemen Credit Union
Decatur, Illinois · Under $100 million in assets
Metric by metric
| Measure | Hickory Point Bank and Trust | Decatur Policemen Credit Union |
|---|---|---|
| TellerScore | 77 | 85 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 94 (stronger) | 85 |
| Earnings | 69 | 72 (stronger) |
| Funding & liquidity | 80 (stronger) | 68 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 68th | 77th |
| Total assets | $717.5M | $5.3M |
| Deposits / shares | $626.8M | $4.5M |
| Capital ratio | 11.04% | 14.99% (stronger) |
| Problem loans | 0.18% (stronger) | 0.44% |
| Net charge-offs | -0.00% (stronger) | 0.58% |
| Return on assets | 1.22% | 1.29% (stronger) |
| Loans ÷ deposits | 69.0% (stronger) | 92.2% |
| Uninsured deposits | 25.1% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | — |
Decatur Policemen Credit Union has the higher TellerScore (85 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Hickory Point Bank and Trust leads on 3 and Decatur Policemen Credit Union on 4. 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.