Side-by-side · Q2 2026 data
Normal City Employees Federal Credit Union vs Iaa Credit Union
Credit union
Normal City Employees Federal Credit Union
Normal, Illinois · Under $100 million in assets
Metric by metric
| Measure | Normal City Employees Federal Credit Union | Iaa Credit Union |
|---|---|---|
| TellerScore | 79 | 84 (stronger) |
| Capital cushion | 68 | 90 (stronger) |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 49 | 63 (stronger) |
| Funding & liquidity | 90 | 91 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 62nd | 86th |
| Total assets | $4.5M | $415.0M |
| Deposits / shares | $4.0M | $351.2M |
| Capital ratio | 11.82% | 14.04% (stronger) |
| Problem loans | 0.00% (stronger) | 0.47% |
| Net charge-offs | -0.22% (stronger) | 0.19% |
| Return on assets | 0.72% | 1.07% (stronger) |
| Loans ÷ deposits | 70.7% | 68.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 7.5% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.0% |
Iaa Credit Union has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Normal City Employees Federal Credit Union leads on 3 and Iaa Credit Union on 4. 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.