Side-by-side · Q2 2026 data
Illinois State Police Federal Credit Union vs United Community Credit Union
Credit union
Illinois State Police Federal Credit Union
Springfield, Illinois · $100 million – $1 billion
Metric by metric
| Measure | Illinois State Police Federal Credit Union | United Community Credit Union |
|---|---|---|
| TellerScore | 76 | 84 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 100 (stronger) | 87 |
| Earnings | 49 | 62 (stronger) |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 68th | 86th |
| Total assets | $126.9M | $134.1M |
| Deposits / shares | $113.4M | $113.2M |
| Capital ratio | 10.35% | 15.41% (stronger) |
| Problem loans | 0.01% (stronger) | 0.40% |
| Net charge-offs | -0.21% (stronger) | 0.38% |
| Return on assets | 0.73% | 1.05% (stronger) |
| Loans ÷ deposits | 22.9% (stronger) | 89.4% |
| Uninsured deposits | 3.4% | 2.3% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.3% | — |
United Community Credit Union has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Illinois State Police Federal Credit Union leads on 3 and United Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.