Side-by-side · Q2 2026 data
Midland Community Bank vs Springfield City Employees Credit Union
Credit union
Springfield City Employees Credit Union
Springfield, Illinois · Under $100 million in assets
Metric by metric
| Measure | Midland Community Bank | Springfield City Employees Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 85 |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 100 (stronger) | 89 |
| Earnings | 87 (stronger) | 52 |
| Funding & liquidity | 95 (stronger) | 85 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 86th | 77th |
| Total assets | $68.8M | $12.8M |
| Deposits / shares | $56.6M | $10.6M |
| Capital ratio | 12.11% | 17.15% (stronger) |
| Problem loans | 0.00% (stronger) | 0.33% |
| Net charge-offs | 0.49% | -0.02% (stronger) |
| Return on assets | 1.66% (stronger) | 0.79% |
| Loans ÷ deposits | 64.9% (stronger) | 75.3% |
| 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 4 and Springfield City Employees Credit Union on 3. 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.