Side-by-side · Q2 2026 data
Illinois Valley Credit Union vs Service Plus Credit Union
Metric by metric
| Measure | Illinois Valley Credit Union | Service Plus Credit Union |
|---|---|---|
| TellerScore | 58 | 81 (stronger) |
| Capital cushion | 51 | 73 (stronger) |
| Loan quality | 89 (stronger) | 85 |
| Earnings | 0 | 65 (stronger) |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 19th | 68th |
| Total assets | $36.3M | $34.7M |
| Deposits / shares | $32.4M | $30.4M |
| Capital ratio | 10.12% | 12.29% (stronger) |
| Problem loans | 0.34% (stronger) | 0.46% |
| Net charge-offs | 0.51% (stronger) | 0.55% |
| Return on assets | -2.12% | 1.12% (stronger) |
| Loans ÷ deposits | 85.6% | 59.5% (stronger) |
| Uninsured deposits | 2.7% (stronger) | 2.8% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Service Plus Credit Union has the higher TellerScore (81 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Illinois Valley Credit Union leads on 3 and Service Plus Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.