Side-by-side · Q2 2026 data
I.B.E.W. Local #146 Credit Union vs Decatur Earthmover Credit Union
Credit union
I.B.E.W. Local #146 Credit Union
Decatur, Illinois · Under $100 million in assets
Metric by metric
| Measure | I.B.E.W. Local #146 Credit Union | Decatur Earthmover Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 70 |
| Capital cushion | 85 (stronger) | 66 |
| Loan quality | 100 (stronger) | 80 |
| Earnings | 93 (stronger) | 29 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 95th | 51st |
| Total assets | $5.0M | $310.3M |
| Deposits / shares | $4.3M | $272.0M |
| Capital ratio | 13.51% (stronger) | 11.64% |
| Problem loans | 0.00% (stronger) | 0.59% |
| Net charge-offs | 0.00% (stronger) | 0.46% |
| Return on assets | 1.81% (stronger) | 0.23% |
| Loans ÷ deposits | 41.2% (stronger) | 57.5% |
| Uninsured deposits | 0.0% (stronger) | 4.3% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.4% |
I.B.E.W. Local #146 Credit Union has the higher TellerScore (94 vs 70). On the 7 directional measures above (where higher or lower is clearly better), I.B.E.W. Local #146 Credit Union leads on 7 and Decatur Earthmover Credit Union on 0. 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.