Side-by-side · Q2 2026 data
Normal City Employees Federal Credit Union vs I.B.E.W. Local #146 Credit Union
Credit union
Normal City Employees Federal Credit Union
Normal, Illinois · Under $100 million in assets
Credit union
I.B.E.W. Local #146 Credit Union
Decatur, Illinois · Under $100 million in assets
Metric by metric
| Measure | Normal City Employees Federal Credit Union | I.B.E.W. Local #146 Credit Union |
|---|---|---|
| TellerScore | 79 | 94 (stronger) |
| Capital cushion | 68 | 85 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 49 | 93 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 62nd | 95th |
| Total assets | $4.5M | $5.0M |
| Deposits / shares | $4.0M | $4.3M |
| Capital ratio | 11.82% | 13.51% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.22% (stronger) | 0.00% |
| Return on assets | 0.72% | 1.81% (stronger) |
| Loans ÷ deposits | 70.7% | 41.2% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
I.B.E.W. Local #146 Credit Union has the higher TellerScore (94 vs 79). On the 6 directional measures above (where higher or lower is clearly better), Normal City Employees Federal Credit Union leads on 2 and I.B.E.W. Local #146 Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.