Side-by-side · Q2 2026 data
Midland Community Bank vs Illinois Educators Credit Union
Credit union
Illinois Educators Credit Union
Springfield, Illinois · $100 million – $1 billion
Metric by metric
| Measure | Midland Community Bank | Illinois Educators Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 59 |
| Capital cushion | 71 (stronger) | 56 |
| Loan quality | 100 (stronger) | 71 |
| Earnings | 87 (stronger) | 26 |
| Funding & liquidity | 95 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 84 |
| Peer percentile | 86th | 19th |
| Total assets | $68.8M | $120.3M |
| Deposits / shares | $56.6M | $102.2M |
| Capital ratio | 12.11% (stronger) | 10.59% |
| Problem loans | 0.00% (stronger) | 0.87% |
| Net charge-offs | 0.49% (stronger) | 1.60% |
| Return on assets | 1.66% (stronger) | 0.16% |
| Loans ÷ deposits | 64.9% (stronger) | 91.2% |
| Uninsured deposits | 12.0% | 2.2% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Midland Community Bank has the higher TellerScore (88 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Midland Community Bank leads on 6 and Illinois Educators Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.