Side-by-side · Q2 2026 data
Land of Lincoln Credit Union vs I.B.E.W. Local #146 Credit Union
Credit union
I.B.E.W. Local #146 Credit Union
Decatur, Illinois · Under $100 million in assets
Metric by metric
| Measure | Land of Lincoln Credit Union | I.B.E.W. Local #146 Credit Union |
|---|---|---|
| TellerScore | 58 | 94 (stronger) |
| Capital cushion | 48 | 85 (stronger) |
| Loan quality | 70 | 100 (stronger) |
| Earnings | 29 | 93 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 16th | 95th |
| Total assets | $498.9M | $5.0M |
| Deposits / shares | $443.7M | $4.3M |
| Capital ratio | 9.81% | 13.51% (stronger) |
| Problem loans | 0.91% | 0.00% (stronger) |
| Net charge-offs | 0.44% | 0.00% (stronger) |
| Return on assets | 0.23% | 1.81% (stronger) |
| Loans ÷ deposits | 82.2% | 41.2% (stronger) |
| Uninsured deposits | 6.8% | 0.0% (stronger) |
| Offices | 15 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | — |
I.B.E.W. Local #146 Credit Union has the higher TellerScore (94 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Land of Lincoln Credit Union leads on 0 and I.B.E.W. Local #146 Credit Union on 7. 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.