Side-by-side · Q2 2026 data
HomeBank 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 | HomeBank | Western Illinois School Employees Credit Union |
|---|---|---|
| TellerScore | 74 | 83 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 90 | 94 (stronger) |
| Earnings | 100 (stronger) | 38 |
| Funding & liquidity | 55 | 78 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 57th | 72nd |
| Total assets | $733.3M | $24.0M |
| Deposits / shares | $604.3M | $20.0M |
| Capital ratio | 9.61% | 16.08% (stronger) |
| Problem loans | 0.29% | 0.17% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 2.12% (stronger) | 0.45% |
| Loans ÷ deposits | 102.4% | 82.7% (stronger) |
| Uninsured deposits | 17.1% | 0.0% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
Western Illinois School Employees Credit Union has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), HomeBank leads on 2 and Western Illinois School Employees Credit Union on 5. 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.