Side-by-side · Q2 2026 data
Kinmundy Bank vs Salem School System Credit Union
Credit union
Salem School System Credit Union
Salem, Illinois · Under $100 million in assets
Metric by metric
| Measure | Kinmundy Bank | Salem School System Credit Union |
|---|---|---|
| TellerScore | 85 | 87 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 78 | 100 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 79 (stronger) | 56 |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 78th | 83rd |
| Total assets | $80.1M | $2.2M |
| Deposits / shares | $69.0M | $1.5M |
| Capital ratio | 13.04% | 30.85% (stronger) |
| Problem loans | 0.67% | 0.00% (stronger) |
| Net charge-offs | 0.06% (stronger) | 1.92% |
| Return on assets | 2.14% (stronger) | 1.19% |
| Loans ÷ deposits | 73.1% (stronger) | 104.5% |
| Uninsured deposits | 22.5% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Salem School System Credit Union has the higher TellerScore (87 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Kinmundy Bank leads on 3 and Salem School System Credit Union on 4. 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.