Side-by-side · Q2 2026 data
I.B.E.W. Local #146 Credit Union vs United Equity 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 | United Equity Credit Union |
|---|---|---|
| TellerScore | 94 | 94 |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 93 (stronger) | 87 |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 95th | 95th |
| Total assets | $5.0M | $66.2M |
| Deposits / shares | $4.3M | $53.7M |
| Capital ratio | 13.51% | 18.66% (stronger) |
| Problem loans | 0.00% (stronger) | 0.23% |
| Net charge-offs | 0.00% (stronger) | 0.21% |
| Return on assets | 1.81% (stronger) | 1.68% |
| Loans ÷ deposits | 41.2% (stronger) | 72.5% |
| Uninsured deposits | 0.0% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), I.B.E.W. Local #146 Credit Union leads on 4 and United Equity Credit Union on 2. 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.