Side-by-side · Q2 2026 data
HNB National Bank vs Members "first" Community Credit Union
Credit union
Members "first" Community Credit Union
Quincy, Illinois · $100 million – $1 billion
Metric by metric
| Measure | HNB National Bank | Members "first" Community Credit Union |
|---|---|---|
| TellerScore | 81 | 92 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 98 | 99 (stronger) |
| Earnings | 100 (stronger) | 89 |
| Funding & liquidity | 86 (stronger) | 64 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 91st | 97th |
| Total assets | $1.3B | $111.6M |
| Deposits / shares | $1.2B | $82.4M |
| Capital ratio | 9.72% | 25.42% (stronger) |
| Problem loans | 0.06% | 0.03% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.47% |
| Return on assets | 2.66% (stronger) | 1.74% |
| Loans ÷ deposits | 74.1% (stronger) | 95.8% |
| Uninsured deposits | 14.2% | 1.3% (stronger) |
| Offices | 17 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | — |
Members "first" Community Credit Union has the higher TellerScore (92 vs 81). On the 7 directional measures above (where higher or lower is clearly better), HNB National Bank leads on 3 and Members "first" Community 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.