Side-by-side · Q2 2026 data
Midland Community Bank vs Decatur Policemen Credit Union
Credit union
Decatur Policemen Credit Union
Decatur, Illinois · Under $100 million in assets
Metric by metric
| Measure | Midland Community Bank | Decatur Policemen Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 85 |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 87 (stronger) | 72 |
| Funding & liquidity | 95 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 86th | 77th |
| Total assets | $68.8M | $5.3M |
| Deposits / shares | $56.6M | $4.5M |
| Capital ratio | 12.11% | 14.99% (stronger) |
| Problem loans | 0.00% (stronger) | 0.44% |
| Net charge-offs | 0.49% (stronger) | 0.58% |
| Return on assets | 1.66% (stronger) | 1.29% |
| Loans ÷ deposits | 64.9% (stronger) | 92.2% |
| Uninsured deposits | 12.0% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Midland Community Bank has the higher TellerScore (88 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Midland Community Bank leads on 5 and Decatur Policemen Credit Union on 2. 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.