Side-by-side · Q2 2026 data
Milledgeville State Bank vs Select Employees Credit Union
Credit union
Select Employees Credit Union
Sterling, Illinois · Under $100 million in assets
Metric by metric
| Measure | Milledgeville State Bank | Select Employees Credit Union |
|---|---|---|
| TellerScore | 71 | 86 (stronger) |
| Capital cushion | 55 | 76 (stronger) |
| Loan quality | 91 | 91 |
| Earnings | 52 | 82 (stronger) |
| Funding & liquidity | 79 | 92 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 47th | 80th |
| Total assets | $215.2M | $78.6M |
| Deposits / shares | $170.6M | $68.4M |
| Capital ratio | 10.48% | 12.63% (stronger) |
| Problem loans | 0.28% | 0.26% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 0.80% | 1.55% (stronger) |
| Loans ÷ deposits | 81.0% | 68.2% (stronger) |
| Uninsured deposits | 11.5% | 3.9% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Select Employees Credit Union has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Milledgeville State Bank leads on 1 and Select Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.