Side-by-side · Q2 2026 data
Illinois Valley Credit Union vs Area Educational Credit Union
Credit union
Area Educational Credit Union
Mattoon, Illinois · Under $100 million in assets
Metric by metric
| Measure | Illinois Valley Credit Union | Area Educational Credit Union |
|---|---|---|
| TellerScore | 58 | 87 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 89 (stronger) | 69 |
| Earnings | 0 | 74 (stronger) |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 19th | 83rd |
| Total assets | $36.3M | $33.7M |
| Deposits / shares | $32.4M | $26.8M |
| Capital ratio | 10.12% | 20.35% (stronger) |
| Problem loans | 0.34% (stronger) | 0.92% |
| Net charge-offs | 0.51% | 0.33% (stronger) |
| Return on assets | -2.12% | 1.34% (stronger) |
| Loans ÷ deposits | 85.6% | 45.7% (stronger) |
| Uninsured deposits | 2.7% | 1.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Area Educational Credit Union has the higher TellerScore (87 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Illinois Valley Credit Union leads on 1 and Area Educational Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.