Side-by-side · Q2 2026 data
HNB National Bank 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 | HNB National Bank | Western Illinois School Employees Credit Union |
|---|---|---|
| TellerScore | 81 | 83 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 98 (stronger) | 94 |
| Earnings | 100 (stronger) | 38 |
| Funding & liquidity | 86 (stronger) | 78 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 91st | 72nd |
| Total assets | $1.3B | $24.0M |
| Deposits / shares | $1.2B | $20.0M |
| Capital ratio | 9.72% | 16.08% (stronger) |
| Problem loans | 0.06% (stronger) | 0.17% |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 2.66% (stronger) | 0.45% |
| Loans ÷ deposits | 74.1% (stronger) | 82.7% |
| Uninsured deposits | 14.2% | 0.0% (stronger) |
| Offices | 17 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | — |
Western Illinois School Employees Credit Union has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), HNB National Bank leads on 4 and Western Illinois School Employees Credit Union on 3. 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.